Shenandoah Mutual Fire 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
Verified official underwriting guidance is still published in the Feb. 2022 Underwriting Guidelines PDF. For Home business, Shenandoah Mutual is a Virginia-focused regional mutual writing farm and home-related personal lines through its agency network, with services shown for homeowners, mobile homes, renters, condos, rental/landlord property, and related farm/personal liability products. Geographic scope is limited to its writing areas within Virginia; properties outside its Virginia writing territory are not eligible. Home risks needing company approval before binding include: prior cancellation or nonrenewal by another carrier; outbuildings/farm buildings/mobile homes with woodstoves; non-compliant or homemade woodstoves; outdoor wood furnaces within 50 feet of a combustible structure; unfenced pools; limited fire-department access; access requiring a low-water privately maintained bridge; mobile homes over 20 years old on MHO; total Coverage A/B/C/D plus applicable endorsements above $1,950,000 (reinsurance approval, usually about 24 hours); tenant-occupied property allowing woodstove/pellet stove use; exotic animals; any home business activity; elevated exterior steps/porches/decks lacking railings; prior Shenandoah cancellation for nonpay; unusual structures such as tree houses, plastic-exterior greenhouses, or trampolines not tied down and netted; secondary homes; polybutylene/Quest plumbing; knob-and-tube or aluminum wiring; lapse in insurance over 30 days; vacant or occasionally occupied properties without supporting business; a single prior claim over $10,000; unrepaired prior-loss damage; stucco or asbestos siding; and underground oil tanks. Not eligible/declined risks include zip lines, undetermined ownership, risks outside Shenandoah's Virginia writing area, risks not meeting program requirements, prior dog bite exposures where the animal remains on premises, home-sharing exposures such as Airbnb or Vrbo, corporate-owned risks, woodstoves inside attached garages, owner acting as general contractor, and any insured convicted of arson. Submission requirements are specific: photos of front/back/roof of dwellings, outbuildings, woodstoves, and unusual structures including pool fencing and trampolines; woodstove inspection report; auto dec page if requesting auto discount; replacement cost estimator for homeowners, MHO with replacement cost, and FL-2/FL-3 dwellings; gemologist report for jewelry $5,000 or more and bill of sale for lower-valued jewelry; equipment details for farm-fire additional perils; alarm contract if taking alarm discount; and farm liability locations on form ML-29 or GL-2 when applicable. Required photos/documents must be emailed within 5 days after application submission or cancellation notice will be sent to both applicant and agent. Broker/producer notes: agent binding authority can be restricted during severe weather or wildfire; all risks above underwriting authority limits need approval. Relevant home/personal authority limits shown in the guide include Homeowners dwelling up to $750,000, any single scheduled item $10,000, personal property form limit $150,000, dwelling program single-family or up to 4-family dwelling $750,000, tenant-occupied contents $25,000, mobile home singlewide $60,000 and doublewide $150,000, and condo structure/contents $150,000. The site also shows a current agent locator list, reinforcing that business is placed through appointed/local agents rather than a direct online submission portal.