Le Mars Insurance Company
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
No current, carrier-published homeowners underwriting, appetite, or agent guidelines for Le Mars Insurance Company could be located on its official web presence or via affiliated / parent company (Donegal) distribution materials. Available regulatory and directory sources confirm Le Mars Insurance Company as a regional multi-line P&C carrier based in Le Mars, Iowa, historically writing personal auto, homeowners, farmowners, and commercial package business in IA, NE, OK, SD, with some filings in IL, but they do not include operational underwriting criteria. Operational notes for producers (inferred from structure and regulatory filings, not from a formal appetite guide): - Preferred business: Likely standard personal lines (homeowners, private passenger auto) and farmowners in small-town / rural Midwestern markets, with emphasis on well-maintained owner-occupied dwellings and standard construction in Iowa and neighboring states. Commercial appetite historically focused on small mercantile and Main Street risks. These points are based on historical line-of-business mix described in insurance department filings, not on an active marketing appetite publication. - Restricted / declined classes: No explicit public list. As a traditional admitted regional carrier, agents should expect standard personal lines exclusions (very poor loss history, unprotected or highly exposed property, non-owner-occupied risks outside program design, and high-hazard commercial classes) to be restricted or declined, but this is not confirmed by carrier-written guidelines. - Geographic footprint: Regulatory documents show authority and active operations in Iowa with expansion to Nebraska, Oklahoma, South Dakota and some activity in Illinois. No evidence of current appetite outside these Midwestern states; agents should verify current state-by-state availability and any county-level restrictions directly with underwriting or marketing. - Submission requirements: No published agent guide or submission checklist was identified. Assume standard independent-agency workflow (ACORD apps, loss runs, supporting photos/valuations, prior carrier history, and, for farm/commercial, schedules and financial details as appropriate). Specific documentation standards, eligibility questions, and binding authority must be confirmed with the carrier’s underwriting or via any current agency agreement. - Broker / producer instructions: No public-facing producer portal, appetite brochure, or ‘how to submit’ guide was found. Agency servicing and claim-report contact numbers are present in third‑party agency resources, but those do not contain underwriting rules. Agents should contact Le Mars / Donegal marketing or agency services directly for current appetite, rating tools, and portal access, as procedures may have changed following corporate alignment with Donegal. Because no explicit homeowners underwriting or appetite guide could be located from official carrier sources, all operational guidance above should be treated as high-level orientation only and not as authoritative rules. For live underwriting decisions, rely on current carrier bulletins, manuals, and conversations with Le Mars / Donegal underwriters.