Security Mutual Insurance Company
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
Official agent resources currently show a live Manuals page with an April 14, 2026 Underwriting Program Guide and separate Homeowners/ULTRASecurity manuals. For Home business, Security Mutual’s personal lines platform includes Homeowners, ULTRASecurity Homeowners, Manufactured/Mobile Homeowners, Dwelling Fire, and Landlord Package. Published positioning indicates Homeowners is for owner-occupied homes, while ULTRASecurity is targeted to above-average owner-occupied primary homes; the public product page also notes a 40-year age benchmark for ULTRA, with older homes requiring underwriting referral/interior inspection. Companywide underwriting rules in the 2026 guide emphasize no binding outside published authority, immediate notice of any binder, signed insured applications, and full completion of underwriting questions; if the risk has a dog, solid-fuel stove, trampoline, or outdoor wood boiler, a supplemental questionnaire is required. Electronic applications require the agency to retain or promptly provide the insured-signed copy. New business generally requires the appropriate down payment unless mortgagee billed. Personal-lines submission instructions currently direct agents to use Finys for Homeowners, Landlord Package, and Mobile Homeowners, completing online underwriting questions and submitting the application online; Dwelling Fire requires signed application, quote, initial down payment, replacement cost estimator, and supplemental questionnaires by email to applications@securitymutual.com. Geographic notes: Security Mutual is actively soliciting independent agents writing business in New York State, and published guidance includes a specific downstate rule that business in the five boroughs of New York City and Long Island should be written by downstate agents. Broader published prohibited/restricted risk indicators in the 2026 guide include risks declined/cancelled/nonrenewed by another carrier without prior underwriting approval, properties with known building code violations, aggressive/vicious animals, all risks subject to wave wash exposure, and all risks within one mile of a tidal coastline. The standard prohibited class list also includes geodesic dome homes and mobile/manufactured homes located on Long Island, suggesting coastal/Long Island restrictions remain important for home placements. Where a home does not fit standard homeowners appetite, Security Mutual’s published product structure points agents toward Dwelling Fire or Custom review rather than standard binding. Operationally, preferred submissions appear to be well-maintained, code-compliant, owner-occupied New York homes with complete underwriting data, signed applications, replacement cost support where requested, and any required hazard questionnaires attached up front.