Floyd County Mutual Insurance Association
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
Floyd County Mutual Insurance Association is a small Iowa farm mutual that writes homeowners, farmowners, and renters business in a limited, county-based territory in northeast Iowa. The public website provides only high-level information; no formal underwriting or appetite guide is published online as of March 30, 2026. Preferred business / target profile (inferred from positioning as a local farm mutual and membership in Grinnell Mutual): - Owner-occupied dwellings and farm residences within their defined trading territory, placed through local independent agencies listed on the "Agencies" page. - Standard homeowners and farm accounts that fit typical Iowa farm mutual markets (well-maintained properties, stable occupancy, local owner presence, and conventional construction).([floydcountymutual.com](https://www.floydcountymutual.com/about-us/?utm_source=openai)) Geographic appetite: - Actively writes in the Iowa counties of Floyd, Chickasaw, Bremer, Butler, Franklin, Cerro Gordo, Mitchell, and Howard only; submissions should be restricted to risks located in these counties.([floydcountymutual.com](https://www.floydcountymutual.com/about-us/?utm_source=openai)) - Risks outside this footprint should be treated as out of appetite and referred to other carriers. Product scope / lines: - Homeowners, farm, and renters lines are explicitly listed; no other personal or commercial lines are advertised on the carrier site.([floydcountymutual.com](https://www.floydcountymutual.com/about-us/?utm_source=openai)) Restricted or declined risks (operational inference due to lack of posted guide): - Properties outside the listed counties. - Non-local or internet-only placements that do not go through one of the listed agencies. - Nonstandard or specialty lines (e.g., large commercial, specialty liability, auto) should be considered out of scope and placed with other markets. Submission and producer workflow: - Business is written exclusively through appointed local agencies shown on the "Agencies" page; producers should route all new business and changes through these intermediaries rather than direct to the company.([floydcountymutual.com](https://www.floydcountymutual.com/agencies/?utm_source=openai)) - The Contact page notes the company cannot bind coverage or accept policy changes via email or voicemail; agents must handle binding and changes via direct contact (phone or in-person) according to their agency procedures. Policyholders are instructed to contact their agent directly.([floydcountymutual.com](https://www.floydcountymutual.com/?utm_source=openai)) - Claims handling: after a loss, insureds are instructed to protect property from further damage, then report the claim immediately to their agent. The agent forwards the claim to Floyd County Mutual for adjuster assignment; the agent does not determine coverage.([floydcountymutual.com](https://www.floydcountymutual.com/report-a-claim/?utm_source=openai)) Broker/producer notes: - Use only the listed independent agencies to access this market; there is no indication of direct access for non-listed producers. - Expect traditional, manual workflow (phone, mail, local agent interaction) rather than online submission, quoting, or binding. Because the carrier does not publish explicit underwriting rules, limits, or class-by-class appetite online, any finer underwriting questions (e.g., age and condition of dwellings, farm liability features, supplemental coverages) should be confirmed directly with the company or its appointed agencies.