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 appears product-facing rather than a formal underwriting/appetite bulletin. Windsor-Mount Joy states it services the mid-Atlantic region and publicly lists Homeowners and Flood among its offerings, along with Dwelling Fire, Boatowners, Commercial, and Farm. For Home, the carrier publicly indicates it writes owner-occupied site-built homes, manufactured homes/mobile homeowners, tenant/renters coverage, condominium unit owners, daily occupied residences, and seasonal or secondary homes. A notable occupancy/rental rule is published: the homeowners program includes a homesharing endorsement for rentals up to 30 nights per year with property and liability coverage, limited theft coverage while rented, and lock replacement; properties rented more than 30 nights per year are directed to the Dwelling Fire program instead. No public official page was found with detailed restricted/declined classes, protection class, age/condition, prior loss, coastal, or CAT thresholds, and no public flood appetite details were accessible; the Flood product page appears login-gated. Geographic note: public materials only state service in the mid-Atlantic region, so state-by-state writing territory could not be verified from open sources. Submission/broker notes: business is distributed through agents, consumers are directed to Find an Agent, and an Agent Portal exists but is login-protected; no public submit-business checklist, broker appetite guide, or producer bulletin with document requirements was verified. Operationally, treat publicly confirmed appetite as personal lines-focused home risks with renter/condo/manufactured/seasonal-home capability and limited short-term homesharing, and obtain detailed underwriting rules, flood eligibility, territory, and submission instructions through appointed agent channels or the protected agent portal.