Loudoun Mutual 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
Access to full underwriting manuals is restricted to appointed agents via the password‑protected Manuals and Forms section; agents should log in and reference the current "Underwriting Guidelines 04 25" and line‑of‑business manuals for binding and rating details. Preferred & target business - Personal residential property risks (Homeowners, Mobile Homeowners, Dwelling Fire) and Farmowners within Loudoun Mutual’s traditional Virginia footprint, written on their own proprietary forms.([loudounmutual.com](https://www.loudounmutual.com/document/?utm_source=openai)) - Well‑maintained, owner‑occupied dwellings and farms with good loss history and adequate insurance‑to‑value; umbrella placement is encouraged but now has capped multi‑policy credits (see below).([loudounmutual.com](https://www.loudounmutual.com/news/announcement-revised-underwriting-guidelines/?utm_source=openai)) - Farm risks with manageable livestock and equipment exposures, often supported by their inland marine options (machinery, livestock, watercraft) and cyber/identity recovery endorsements.([loudounmutual.com](https://www.loudounmutual.com/manuals-and-forms/home-owners-and-mobile-home-owners/?utm_source=openai)) Risks requiring prior company approval (per 04/25 guidelines announcement) - Roof age and type are now explicit triggers for referral before binding: - Standard 3‑tab asphalt shingle roofs 15–19 years: require at least the Roof Surfacing Amendment – Actual Cash Value Terms (ACV roof endorsement) and/or a higher deductible. - Standard 3‑tab asphalt shingle roofs 20+ years: require a roof exclusion; agents must contact underwriting for approval and exclusion handling. - Properties with any of the following roof types require company approval before binding: wood shake roofs, copper roofs, metal shingle roofs, or asbestos shingle roofs. - Any risk with one or more of these liability exposures requires company approval before binding: short‑term rentals where livestock are present on the same premises.([loudounmutual.com](https://www.loudounmutual.com/news/announcement-revised-underwriting-guidelines/?utm_source=openai)) Coverage limit controls - Maximum Coverage A limit is now $3,000,000 for Homeowners, Dwelling Fire, and Farmowners. - Agent binding authority is capped at $1,000,000 Coverage A; any risk with Coverage A above $1,000,000 must be referred to the company for approval before binding.([loudounmutual.com](https://www.loudounmutual.com/news/announcement-revised-underwriting-guidelines/?utm_source=openai)) Pricing/credit notes - As of 1/1/2025, the multi‑policy (umbrella) discount is capped at: - Maximum $350 credit on a Homeowner policy, and - Maximum $500 credit on a Farmowner policy. Agents should avoid quoting or promising umbrella‑related credits above these caps.([loudounmutual.com](https://www.loudounmutual.com/news/announcement-revised-underwriting-guidelines/?utm_source=openai)) Geographic focus - Loudoun Mutual is a Virginia‑domiciled mutual assessment carrier; core property lines (including homeowners) are written in Virginia. Agents should treat the company as regionally focused and consult underwriting before attempting out‑of‑state placements.([scc.virginia.gov](https://www.scc.virginia.gov/media/sccvirginiagov-home/regulated-industries/insurance/insurance-companies/for-companies/-market-conduct-examination-reports-/10329.pdf?utm_source=openai)) Submission & binding expectations (operational) - Agents must use the current Underwriting Guidelines 04 25 and line‑specific manuals (Homeowners, Dwelling, Mobile Homeowners, Farm) from the Manuals and Forms area for eligibility, rating, and binding rules; those manuals also house required questionnaires (e.g., Homeowners, Limited Farm) and special forms such as HO‑4836 (ACV roof), value endorsements, and cyber/guardian endorsements.([loudounmutual.com](https://www.loudounmutual.com/manuals-and-forms/?utm_source=openai)) - For any risk that hits the updated "Requires Company Approval" triggers (older or non‑standard roofs, short‑term rental with livestock, Coverage A over $1M), agents should: - Gather photos and roof details (age, material, condition), - Complete the applicable questionnaire (Homeowner or Limited Farm), and - Submit to underwriting for written approval prior to binding. - Agents should monitor agent email notices for temporary binding suspensions (e.g., weather‑related moratoria) and operational updates; when a binding suspension is in effect, do not bind new business or increases until a new bulletin clears the restriction.([loudounmutual.com](https://www.loudounmutual.com/news/recent-agent-email-notices/?utm_source=openai)) Broker / producer notes - Underwriting and training materials are delivered primarily via the agent portal and agent email notices; producers are expected to review bulletins (including the May 2, 2025 "Revised Underwriting Guidelines" and any subsequent value/roof or binding‑authority communications) and to align quoting/binding practices accordingly.([loudounmutual.com](https://www.loudounmutual.com/news/recent-agent-email-notices/?utm_source=openai)) - For questions on unusual farm, roof, or liability exposures, or to exceed binding authority limits, producers should contact their Loudoun Mutual underwriter directly before binding or promising terms.