Sugar Creek 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
Verified official public underwriting guidance located is the carrier’s Solid Fuel Guidelines PDF, which appears to function as a supplemental home-property underwriting rule set rather than a full appetite guide. Sugar Creek Mutual markets personal and small-property business in southern Wisconsin and states its mission is serving rural and small urban communities. Publicly listed product offerings include homeowners, renters/tenants, landlords, mobile home, seasonal/secondary home, farm, liability, commercial, inland marine, and equipment breakdown. For Home, the clearest published underwriting restrictions are around solid-fuel exposures: unacceptable or restricted items include barrel stoves, home-built stoves, solid fuel in rental dwellings, solid fuel units in attached garages or within 25 feet of a dwelling, units in buildings with flammable vapors, double or triple venting, fireplace inserts with metal chimneys, solid fuel as the only heat source, and supplemental solid fuel units or fireplaces on mobile home forms. Unlined chimneys and solid fuel units in commercial buildings require underwriting approval. The guideline also requires properly lined chimneys, listed/tested appliances, and operational precautions such as ash handling and wood storage. Geographic note: the company says it writes in southern Wisconsin, specifically Columbia, Dane, Dodge, Grant, Green, Iowa, Jefferson, Kenosha, Lafayette, Ozaukee, Racine, Rock, Sauk, Walworth, Washington, and Waukesha Counties. Submission / producer notes visible publicly are limited: business is distributed through agents, the website offers an agent locator and an agent login, and quote requests ask for applicant contact information and preferred agent selection. No public broker-facing appetite grid, class list, binding authority, or complete home underwriting manual was found on the verified public site beyond the solid-fuel document, so underwriting direction should be treated as partial and agents should use carrier/agent channels for fuller eligibility details.