Business Details
We have been providing insurance to West Virginians since 1905, building more than a century of specialized experience in property and casualty coverage. Our company operates as a West Virginia Farm Mutual Insurance Company, giving us deep insight into the specific risks facing homeowners, renters, and farm owners throughout the state. We employ skilled underwriters who customize policies to fit the individual needs of each client, ensuring proper valuation of homes, mobile homes, and farm structures. Our professional staff takes pride in being knowledgeable and courteous, utilizing state-of-the-art computer technology to deliver accurate and timely assistance to both our agents and policyholders. We maintain over sixty agencies under contract across West Virginia, demonstrating our long-standing commitment to local accessibility and community service.
Our claims department is staffed by experienced professionals who handle claims in a prompt and fair manner, allowing for timely recovery from loss. We offer secure online payment options and paperless statement processing to modernize the policyholder experience without sacrificing personal service. Our commitment to prompt, professional, and fair service has defined our operational standards for over a century. We continuously adapt our products to meet evolving insurance needs while maintaining the trusted standards our policyholders expect.
Our claims department is staffed by experienced professionals who handle claims in a prompt and fair manner, allowing for timely recovery from loss. We offer secure online payment options and paperless statement processing to modernize the policyholder experience without sacrificing personal service. Our commitment to prompt, professional, and fair service has defined our operational standards for over a century. We continuously adapt our products to meet evolving insurance needs while maintaining the trusted standards our policyholders expect.
Highlights and features
- We have been serving West Virginians since 1905.
- We operate over sixty contracted agencies across West Virginia.
- We employ skilled underwriters who customize policies to fit individual needs.
- We provide secure online policy payment and paperless statement options.
- We deliver prompt and fair claim service handled by experienced staff.
- We utilize state-of-the-art technology to ensure accurate and timely assistance.
Services
Homeowners Coverage
Our Homeowners Program is designed to insure your home and personal property under three forms: HO-1, HO-2, and HO-3. Trained agents determine which form your home qualifies for, while underwriters can increase coverage on additional structures. This program ensures West Virginia homeowners receive properly valued protection for their primary residences.
Mobile Home Coverage
Our Mobile Home program covers single wide and double wide homes, including old or new units. We add the value of porches, decks, and room additions to your policy, and we insure carports, detached garages, sheds, and outbuildings as part of these policies. Mobile home owners gain comprehensive protection tailored to their specific property improvements.
Renters Contents Coverage
We insure renters personal property under an HO-4 form, covering far more than just belongings. This policy also provides additional living costs if a covered loss makes your rented dwelling uninhabitable. Renters gain financial support for temporary housing until the property is restored or permanent relocation occurs.
Dwelling Fire Coverage
Our Dwelling Fire Program provides quality coverage at affordable rates for rental dwellings and homes that may not require a homeowners policy. This program insures under a Basic Form or a Broad Form, selected with guidance from our experienced agents. Property owners receive reliable protection suited to their unique rental needs.
Farm Owner Coverage
Our Farm Owner coverage features skilled underwriters adept at customizing policies to fit each farmer's individual needs. We can format a single policy covering your home, personal property, barns, farm structures, and additional farm dwellings. Unlike some companies, we insure only the structures you wish to protect on your property.
Reviews (4)
Quang Nguyen
May 05, 2022
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We recently purchased our new home insurance through Farmers Mutual Insurance Co. The agent could not have been more helpful and gracious. She went above and beyond to help us regarding our policy. I've never felt as comfortable using an agent as I have had with her. I recommend everyone contact her for any future insurance purchases.
Nate Fernandes
Nov 23, 2021
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Terrible service. Who goes on someone's property when they aren't home just to take pictures. Honestly they are the worst type of business to deal with. They are somebody who will willingly take advantage of you and not even ask a question. I highly do not recommend you ever use this service. Honestly they would be better if they just listened to their customers.
Nathan Holmes
Jan 15, 2020
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Horrible! Scammers! Cover nothing and file a claim and they want to cancel. You're wasting your time with these people!
Amber Starns
Jan 19, 2019
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This company refuses to cover houses with rottweilers and pit bulls in it. When they know nothing about the dogs they discriminate. My dogs work with kids at the P.A.C.E program but they still aren't allowed because of their breed. This company is still in the 90s.