Windsor-Mount Joy 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
Verified public guidance is limited and product-oriented rather than a formal published appetite guide. Windsor-Mount Joy states it services the mid-Atlantic region and distributes through agents, with public-facing submission direction centered on finding a local agent rather than direct online submission. For Home, current published eligibility indicates appetite for owner-occupied site-built homes, manufactured/mobile homes, tenant/renters coverage, condominium unit owners, and homes used as primary, seasonal, or secondary residences. A notable underwriting detail is the homesharing endorsement: homeowners risks may rent the property up to 30 nights per year with property/liability coverage including limited theft and lock replacement; properties rented more than 30 nights annually are directed to the Dwelling Fire program instead. Related public product guidance also indicates Windsor writes landlord, seasonal rental, year-round rental, unoccupied, and vacant dwellings under Dwelling Fire, which helps define the boundary of the homeowners book. For Flood, no public underwriting or appetite details were accessible on the verified official flood page because the page is login-restricted, so no class, occupancy, coastal, elevation, or mapping criteria could be confirmed from public materials. Geographic note: the carrier publicly describes its service area only as the mid-Atlantic region; no state-by-state underwriting footprint or coastal restrictions were publicly verified from the accessible pages. Submission/producer notes: insureds are instructed to locate the closest agent via the Find an Agent tool; an Agent Portal exists but is login-protected, so any broker submission requirements, supplemental forms, inspection expectations, or binding instructions were not publicly verifiable. Operationally, treat publicly confirmed appetite as broad personal lines home coverage in the mid-Atlantic with special handling for short-term rental exposure and route flood opportunities through appointed agents because public flood underwriting details are not available without portal access.