Rockingham Mutual Insurance Co
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified official homeowner guidance is the Virginia Homeowners Program Binding Authorities & New Business Underwriting Guidelines effective November 1, 2020. Operational appetite appears Virginia-focused and written for appointed agents/producers. Preferred business is owner-occupied homeowners, renters, condo, and higher-value HO-5 risks that meet replacement cost standards, have central heat, acceptable updates, and limited loss history. Core thresholds: max one loss up to $10,000 in the past 3 years, or past 5 years if the loss involved water, fire, or liability; minimum Coverage A is $50,000 for HO-2/HO-3 and $135,000 for HO-5; minimum Coverage C is $15,000 for HO-4 and $30,000 for HO-6. Homes generally need minimum 100-amp breaker service with NM/Romex or BX wiring, copper/PVC/CPVC/PEX supply plumbing, central heat, and compliant solid-fuel devices. Roofs for HO-2/HO-3/HO-5 must generally be 20 years old or newer unless slate, tile, or metal; flat roofs and roofs under 3/12 pitch are unacceptable. Replacement cost discipline is important: 100% insurance to replacement cost is expected, with special loss settlement handling for older homes built in 1940 or earlier. Refer before binding when coverage materially exceeds market value, depending on insurance score, and for unusual dwellings, 3-4 family dwellings, farm-use outbuildings, high contents requests, or office/professional/private school/incidental business exposures. Restricted or declined classes/exposures include more than four-family dwellings, timeshares, boarders, manufactured/mobile homes, travel trailers, dwellings on stilts/piers/non-standard foundations, polybutylene/Quest plumbing, EIFS installed before 2000, knob-and-tube or aluminum wiring, primary heat from solid-fuel devices or space heaters, outbuildings/garages with solid-fuel heat, dwellings lacking culinary or sanitary facilities, and certain liquid-filled furniture discharge coverage requests. Liability controls are detailed: stairs/decks need compliant rails; pools require controls and photos, with call-before-bind if there is a diving board or slide; above-ground pools need removable ladders or self-latching gated access; direct house access to pool areas must be lockable or self-latching; outdoor hot tubs need locking covers. Trampolines are only permitted for risks with insurance score over 700 and no losses in the past 3 years, with fenced-yard and safety-net photos, no daycare/business exposure, and liability capped at $300,000. Daycare risks also may not exceed $300,000 liability. Declined or heavily restricted animal/recreational exposures include dangerous or non-domestic animals, dogs with biting history or vicious propensity, and listed breeds/mixes including Rottweiler, wolf mixes, and pit bull-related breeds; also roller skate/bicycle ramps and zip lines. Geographic notes: the public site emphasizes Virginia and statewide expansion, and the verified underwriting guide is specifically for Virginia homeowners. Coastal/wind requirements apply by county/city, with separate hurricane/tropical storm or wind/hail deductibles required in listed Virginia territories, escalating from $1,000 minimum in some inland counties/cities to 1% in certain Tidewater counties and 2% in Accomack, Northampton, Chesapeake, Hampton, Newport News, Norfolk, Poquoson, Portsmouth, Suffolk, and Virginia Beach when Coverage A is at least $100,000. Submission requirements are explicit: every new business file must be generated in RateRock, signed and dated by insured and agent, and retained by the agent; missing required information beyond 20 days can lead to cancellation. Required support includes front/back photos of dwellings and other structures over 100 sq. ft.; pool-area photos when applicable; e2Value replacement cost estimate on all dwellings except HO-6; solid-fuel supplemental evaluation form and photos of clearances/pass-throughs; any endorsement-specific supplemental information; and a deposit to bind unless mortgagee billed or an existing property customer. Additional proof is required for new financing discount, private fire protection endorsement, and central/direct alarm credit. Producer/broker notes: binding authority is only for licensed and appointed Rockingham agents, temporary binding cannot exceed 60 days without written extension, final approval remains with underwriting, authority automatically restricts during severe weather/seismic/wildfire events, and agents must obtain prior approval when the risk exceeds their authority. Maximum per-risk agent binding authority shown for homeowners is Coverage A up to $750,000 on HO-2/HO-3/HO-5, HO-6 Coverage A or C up to $150,000, HO-4 Coverage C up to $150,000, liability up to $500,000, and medical payments up to $5,000.