Badger Mutual
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
Badger Mutual does not publish a detailed producer-facing homeowners underwriting or appetite guide on its public website. Operationally, you should treat underwriting guidance as controlled via internal manuals, state filings, and agency communications. Below is what can be inferred from current public information and should be validated against your appointed-agency materials and state-specific rate/rule filings before binding. Preferred / target business (Homeowners): - Standard personal homeowners risks written through independent agents in Badger Mutual’s active states: WI, IL, MN, MI (no auto), AZ, NV, IA (with evidence of broader licensing in AZ, ID, IL, IA, MI, MN, NV, UT, WI, WY, though Idaho, Utah, and Wyoming are being exited).([badgermutual.com](https://www.badgermutual.com/faq/?utm_source=openai)) - Owner-occupied primary residences and standard construction homes that fit within normal replacement-cost and valuation parameters, consistent with Badger’s emphasis on accurate replacement cost values and proper insurance-to-value.([badgermutual.com](https://www.badgermutual.com/replacement-cost-value/?utm_source=openai)) - Personal lines business placed and serviced through local independent agents; company messaging stresses partnering closely with agents to tailor coverage to the insured’s area, lifestyle and budget.([badgermutual.com](https://www.badgermutual.com/faq/?utm_source=openai)) Restricted or declined classes (inferred – confirm with current manuals): - Business is geographically limited to Badger Mutual’s licensed/active states; new home accounts outside these states should be considered ineligible even if a comparative rater shows a rate.([badgermutual.com](https://www.badgermutual.com/faq/?utm_source=openai)) - Company has announced withdrawal from Idaho, Utah, and Wyoming; new or renewal home business in those states is expected to be non-renewed or not written going forward. Avoid submitting new homeowners risks there and verify renewal strategy for any legacy accounts.([oci.wi.gov](https://oci.wi.gov/Documents/Companies/FinBadgMut.pdf?utm_source=openai)) - No explicit public criteria for protection class, prior loss history, roof age, animals, or other specific home underwriting points were found. Apply standard regional norms (e.g., current condition and maintenance, acceptable loss frequency/severity, suitable roof age, appropriate distance from wildfire or other CAT exposures) and confirm any gray-area risks directly with Badger underwriting. Geographic notes: - Public FAQ and regulatory filings indicate an emphasis on Upper Midwest and certain western/southwestern states: Wisconsin, Illinois, Minnesota, Michigan (no auto), Arizona, Nevada, Iowa as actively promoted personal-lines states.([badgermutual.com](https://www.badgermutual.com/faq/?utm_source=openai)) - OCI examination notes that licensing also exists in AZ, ID, IL, IA, MI, MN, NV, UT, WI, WY but with a stated plan to discontinue operations in ID, UT, WY; expect shrinking or closed appetite in those three states.([oci.wi.gov](https://oci.wi.gov/Documents/Companies/FinBadgMut.pdf?utm_source=openai)) Submission and workflow expectations: - All personal lines policies, including homeowners, are quoted and submitted through independent agents; Badger does not write direct-to-consumer. Producers must use Badger’s appointed-agency systems or comparative raters that are configured for Badger.([badgermutual.com](https://www.badgermutual.com/faq/?utm_source=openai)) - FAQ directs insureds to work through their agents for quotes, adding home or renters to existing auto, policy changes, and documentation; agents should be prepared to gather complete home information and handle service interactions.([badgermutual.com](https://www.badgermutual.com/faq/?utm_source=openai)) - Company resources stress accurate replacement cost valuation and annual review of dwelling limits; producers should document valuation basis (RCV tool outputs, square footage, construction type, updates) and be ready to re-validate at renewal or after major market cost shifts.([badgermutual.com](https://www.badgermutual.com/replacement-cost-value/?utm_source=openai)) - No public checklist of required submission data (e.g., photos, inspections, prior carrier loss runs) is posted; expect standard homeowners submission data (year built; construction; updates; roof age/material; prior insurance and loss history; occupancy; protection class; distance to fire protection; any unusual exposures). Confirm any carrier-specific data points via agency portal or underwriting contact. Broker / producer notes: - Badger positions itself as working closely with local independent agents and emphasizes service and responsiveness; underwriters may be accessible for individual risk discussion, especially for borderline or non-standard characteristics.([badgermutual.com](https://www.badgermutual.com/replacement-cost-value/?utm_source=openai)) - All new business and changes should route through appointed independent agencies; producers should ensure their appointment is active and that they are using the correct Badger systems (or an integrated rater) for the states where they are licensed and Badger is active.([badgermutual.com](https://www.badgermutual.com/faq/?utm_source=openai)) - Because no formal public appetite guide exists, agencies should rely on Badger’s internal underwriting bulletins, manuals, and state filings for binding authority, required referrals, and specific eligibility rules (e.g., age/condition of roof, distance to brush or forest in wildfire-prone areas, underwriting treatment of rental/secondary homes, dog breeds, trampolines, pools). Operational caveat: This summary is based solely on publicly available information and regulatory filings and should be treated as directional. For precise homeowners underwriting criteria or appetite shifts (especially in catastrophe-exposed or exit states), consult Badger Mutual’s current agent portal, underwriting manuals, or your marketing rep before quoting or binding.