Homeowners Insurance Underwriter

Western Mutual Insurance Group; Scottsdale (AZ); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Profit sharing

401(k) plan

Medical insurance

Dental insurance

Life insurance

Long-term disability (LTD)

Paid time off

Holiday pay

Job summary

Western Mutual Insurance Group seeks an experienced Homeowners Insurance Underwriter to evaluate and manage new and renewal business in line with company guidelines. You will apply sound underwriting judgment while maintaining current knowledge of regulatory variations across several western states.

The role emphasizes partnership with internal agents, accurate documentation, and responsible risk selection to support profitability and growth.

Qualifications

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

Responsibilities

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

Skills

Analytical skills

Risk assessment

Communication skills

Attention to detail

Organizational skills

Judgment

Tools

Underwriting platforms

Office software

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.

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.

Key Responsibilities

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

Qualifications

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

What We Offer

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

NON-SMOKING OFFICE

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