Homeowners Insurance Underwriter

Job Description

For more than 80 years, Western Mutual Insurance Group has provided reliable protection to homeowners throughout the Southwestern United States. Rated A (Excellent) by A.M. Best and consistently recognized among Ward’s Top 50 Property-Casualty Insurers, we are a financially strong and service-focused organization committed to disciplined underwriting and long-term success.

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We are seeking an experienced Homeowners Insurance Underwriter to evaluate and manage new and renewal business in accordance with company guidelines while exercising sound underwriting judgment.

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Key Responsibilities

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• Evaluate and underwrite new homeowners insurance applications to ensure compliance with underwriting standards.
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• Review renewal policies to assess continued eligibility, changes in exposure, and overall account profitability.
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• Partner with internal agents to provide underwriting guidance, feedback, and education on company standards.
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• Apply independent judgment to balance risk selection, retention, and profitability objectives.
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• Maintain current knowledge of regulatory and coverage variations across AZ, CA, ID, NV, UT, and TX.
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• Document underwriting decisions clearly and accurately within automated systems.
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Qualifications

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• Minimum 2 years of direct homeowners/property underwriting experience (P&C background preferred).
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• Strong analytical and risk assessment skills.
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• Effective written and verbal communication skills.
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• Knowledge of multi-state regulatory requirements.
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• Proficiency with underwriting platforms and office software.
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• Detail-oriented with strong organizational skills and professional judgment.
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What We Offer

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• Competitive base salary with performance-based bonus opportunity.
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• Profit sharing and 401(k) plan.
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• Comprehensive benefits including medical, dental, life insurance, LTD, paid time off, and holidays.
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• Tuition reimbursement and professional development opportunities.
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• Stable, team-oriented environment with a legacy of excellence.
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Please submit your resume and salary requirement for consideration.

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