Business Details
Your Trusted Local Insurance Partner in Fulton, MO
Established in 1895, our company has served central Missouri communities for over a century, providing competitive insurance products tailored to local needs. Owned by policyholders and governed by an elected board, we prioritize community engagement through initiatives like scholarship programs and rural fire safety investments. Our team of experienced local agents delivers personalized service across Callaway County and Missouri, combining deep industry knowledge with a commitment to ethical practices and customer satisfaction. 
Services
Farm Insurance
Small Farm Insurance
UTV Insurance
Liability Coverage
Fire Insurance
Home Insurance
Auto Insurance
Life Insurance
Online Bill Payment
Policyholder Scholarships
Highlights and features
- We have over 125 years of experience serving Missouri communities
- Owned by our policyholders for transparent, customer-focused service
- Local agents provide personalized insurance solutions
- Committed to community support through scholarships and local initiatives
- Offering competitive insurance products tailored to Missouri residents
Services
Farm Insurance
We offer specialized insurance solutions for farm properties, including coverage for buildings, equipment, and liability protection. Our policies cater to both commercial operations and hobby farms across Missouri. With over a century of experience, we understand the unique risks faced by agricultural businesses and provide tailored protection to safeguard your investment.
UTV Insurance
Our UTV insurance provides comprehensive coverage for utility terrain vehicles used on Missouri properties. This specialized policy protects against damage, theft, and liability while operating off-road vehicles. As local experts, we recognize the growing need for recreational vehicle protection and offer customized plans to meet specific usage requirements.
Liability Coverage
We provide liability insurance solutions that protect individuals and businesses from financial risks associated with property damage or bodily injury claims. Our policies cover legal defense costs and settlements within specified limits. Missouri residents benefit from our deep understanding of state-specific liability requirements and local risk factors.
Home Insurance
Our home insurance policies protect Missouri homeowners against common risks including fire, theft, and weather-related damage. Coverage includes dwelling protection, personal property, and liability components. We offer customizable options to suit different property types while maintaining competitive pricing through our local mutual company structure.
Auto Insurance
We provide comprehensive auto insurance solutions for Missouri drivers, including liability, collision, and comprehensive coverage options. Our policies protect against financial losses from accidents, theft, or damage to vehicles. As a local mutual company, we offer personalized service while maintaining competitive rates tailored to individual driving profiles.
Questions
How can I pay my insurance bill online?
Visit our website's Online Bill Pay section to securely make payments using your account details. The system is available 24/7 for your convenience.
What types of insurance do you offer?
We provide farm, home, auto, UTV, and liability insurance, along with life insurance policies tailored to Missouri residents' needs.
Are you available for emergencies outside business hours?
Our office hours are Monday-Friday 8am-4:30pm. For urgent claims, contact our claims adjuster directly through our website information.
Do you offer scholarships for local students?
Yes, we award two $500 scholarships annually to Missouri high school seniors with policyholder family members. Applications are due April 4th.
Can I get insurance coverage outside Callaway County?
While based in Callaway County, our agents write policies throughout Missouri, serving communities across the state with local expertise.
Who owns Farmers' Mutual Insurance Company?
We are a mutual company owned by our policyholders, with governance through an elected board of directors representing policyholder interests.
Reviews (1)
Mike Boese
Apr 06, 2016
Report
I'm not sure about the insurance. But the building is beautiful. The tile floors. And they used a few things from the old house that used to be here.
