Steele Traill County Mutual Insurance
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
No separate official underwriting, appetite, producer, or broker submission guide was verified on the public site. Current published positioning indicates a North Dakota-focused mutual insurer targeting farm, ranch, and small-town residents, with stated offerings including homeowners multiperil, fire and wind, broad form extended coverage on farm property, non-farm residential property, mobile homes, seasonal dwellings, scheduled farm personal property, farm liability, and comprehensive/personal liability. For Home, preferred business appears to be owner-occupied residential risks connected to farm, ranch, and small-town communities in North Dakota. Geographic notes: the company explicitly states it offers Property & Casualty in North Dakota and references service to counties in its territory, so appetite appears local/regional rather than multi-state. Restricted or declined classes were not specifically published on the verified public pages; there was also no public detail found on age-of-home limits, protection class, loss history, vacant property, seasonal occupancy restrictions, or other standard underwriting disqualifiers. Submission requirements publicly posted are limited: prospects are directed to contact a local agent for a quote or more information, and the company maintains an agent locator rather than a direct online submission portal for new business. Notable producer/broker notes: underwriting contact is identified on the site, and the company encourages its agency force to maintain dialogue with local board members/directors; however, no public producer manual, appetite matrix, applications list, binding authority, or broker packet was verified. Operationally, treat this as a relationship-driven North Dakota mutual market for local home and related rural/personal lines, with appetite details likely available only through appointed agents or direct office contact.