Farmers Mutual Insurance of Nodaway County
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
Official site currently publishes product/coverage guidance rather than a broker-only appetite guide. For Home, the carrier appears broadly positioned for Missouri habitational property written through local agents statewide. Preferred business is owner-occupied newer homes in very good to excellent condition, especially those eligible for Homeowners broad or special form; special form is described as the highest level and is intended for newer homes in excellent condition. The company also supports a wider range of non-standard or middle-market dwelling risks through Fire and Extended Coverage (FEC) and dwelling package products, including older homes, lower-value homes, homes under construction or renovation, rental houses, certain unoccupied homes, mobile homes on piers or permanent foundations, year-round and seasonal condos, and elite rental dwellings. Published package tiers show Preferred Dwelling and Elite Dwelling for owner-occupied homes in excellent condition with stated Coverage A bands of $65,000-$500,000 and $85,000-$500,000 respectively; Elite Rental Dwelling is also shown with $85,000-$500,000 limits for non-owner-occupied dwellings meeting homeowners requirements. Geographic notes: the company states its agencies can write anywhere in Missouri, and one published restriction says Preferred Dwelling is not available in Southeast Missouri. Restricted/less-preferred classes are implied by form placement rather than explicit declination language: lower-value, poor-condition, unoccupied, renovation, rental, and some mobile-home risks are directed to basic or broad FEC forms; Homes special form is reserved for the best-quality risks. Seasonal condos are written on less favorable settlement terms than year-round occupied condos. No formal declined-class list, broker submission checklist, inspection standards, protection-class rules, age-of-home cutoffs, or loss-history thresholds were found on verified public pages. Submission expectations/instructions currently published are practical and consumer-facing: business is placed through one of 19 agencies, quotes are directed through the Find an Agent / Request a Quote workflow, and an Agent Login portal is available, indicating appointed-agent distribution rather than direct online underwriting. Broker/producer notes: the company emphasizes local agency placement, statewide Missouri authority for its agencies, and provides only summary-level coverage descriptions with a disclaimer that policy terms and conditions govern.