Union Mutual of Vermont
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 guidance located on Union Mutual’s public product and resource pages rather than a formal producer-only appetite guide. Homeowners appetite sheet shows target personal-property risks including primary and secondary homes, unit owners and renters, 1-2 family dwellings, and coastal homeowners; Coverage A up to $1.5M; Protection Classes 1-10; swimming pools with slides eligible; living wills and trusts eligible via additional insured endorsement; and short-term rentals eligible up to 45 days with the Home Sharing endorsement. Available home features/credits indicate underwriting focus on updated roofs, heating, plumbing, and electrical, protective devices, generators, standing seam roofs, and loss-free/superior home characteristics. The public homeowners renewal questionnaire also shows practical review items underwriters care about: occupancy status, seasonal/secondary or short-term rental use, business or farming on premises, log/kit homes, wood stoves/fireplaces, trampolines/treehouses/pools/diving boards, dogs with bite history, exotic pets, smart-home/security devices, generators, and underground fuel tanks. Commercial umbrella page confirms availability as excess liability over underlying commercial policies, with quotes routed through local independent agents; no public class-specific umbrella exclusions, limits, or attachment requirements were found. Broader commercial pages show preferred small-business/BOP classes that likely align with core package appetite, including well-maintained apartments and condominium associations, artisan contractors, inns/bed & breakfasts, not-for-profit clubs, offices, restaurants, retail, services, and wholesale. Geographic notes: Union Mutual publicly states it operates through independent agents throughout New England and New York; apartments/condo page specifically references New England and New York, and one CAT bulletin applied to all states/all lines. Submission expectations/instructions: business is written through local independent agents; quote requests are directed to agents, and agent login is through Union Express. For homeowners servicing/renewal support, insureds or agents can submit the Homeowners Renewal Questionnaire with updated property details, and policy changes can be requested through the policyholder portal and sent to the agent. Notable producer/broker notes from the CAT bulletin: during company- or PCS-declared catastrophes, agents should submit claims to the home office only and not directly assign adjusters; Union Express claims can be entered in Union Express, other claims emailed/faxed to the company, and mortgagee information should be kept current. No current official public page was found listing explicit declined classes for Home or Commercial Umbrella, so restrictions above are inferred from exposed eligibility criteria and underwriting questionnaires rather than a formal declination list.