Business Details
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Your Trusted Missouri Insurance Partner
Established in 1869, CFM Insurance has built a legacy of providing quality insurance solutions tailored to the evolving needs of Missouri residents. As a policyholder-owned mutual company, we combine deep-rooted community ties with financial stability to deliver dependable coverage and personalized service. Our expertise spans farm, homeowners, auto, and renters insurance, supported by a network of local independent agents committed to shared values of honesty and trust.Embracing modern technology while preserving traditional principles, we empower policyholders with competitive pricing, comprehensive protection, and exclusive discounts designed for diverse lifestyles and generational needs.
Services
Farm Insurance
Homeowners Insurance
Auto Insurance
Renters Insurance
Discount Programs
Highlights and features
- We specialize in Missouri-focused insurance solutions with 150+ years of local experience
- Our policyholder-owned mutual structure prioritizes client needs over corporate interests
- Exclusive discounts reward service members, educators, and multi-policy holders
- Emergency after-hours claims service supports urgent property needs
- Customizable coverage options protect farms, homes, and rentals
Services
Farm Insurance
Customizable protection for Missouri farms includes machinery, equipment, structures, and livestock coverage. Our policies address threats like weather damage, theft, and equipment breakdown while offering inflation guard and replacement cost options. Tailored plans ensure generational farms maintain operational continuity through comprehensive risk management solutions.
Homeowners Insurance
Replacement cost and special form coverage options protect Missouri homes with inflation guard protection and water damage safeguards. Policy tiers accommodate various property ages and condition requirements while maintaining competitive pricing through deductible flexibility and multi-policy incentives.
Auto Insurance
Liability, collision, and comprehensive coverage options protect Missouri drivers with roadside assistance and deductible customization. Eligible policyholders receive bundled home-auto discounts and specialized protection for modern vehicles through updated policy frameworks.
Renters Insurance
Personal property coverage, liability protection, and temporary living expense reimbursement safeguard renters against fire, theft, and natural disasters. Policy features include valuable item coverage and mobile app management tools for convenient policy maintenance.
Discount Programs
Exclusive discounts reward military service, multi-policy holders, and generational farm owners while supporting technology adoption through connected monitoring device incentives. Eligibility requirements maintain fair pricing structures while expanding accessibility for diverse client profiles.
Questions
What areas does CFM Insurance serve?
CFM Insurance exclusively serves Missouri residents with localized coverage solutions through our network of independent agents.
Can I bundle different insurance policies?
Yes, our multi-policy discount rewards clients who bundle home and auto insurance together.
Do you offer emergency claims services?
We provide 24/7 emergency after-hours claims support for urgent property-related incidents.
How does the legacy farm discount work?
Multi-generational farm owners receive premium discounts when continuing family farm operations under CFM coverage.
Are there special insurance options for young adults?
Our millennial discount provides affordable coverage tailored to young property owners' needs and lifestyles.
Reviews (3)
Donald Ramirez
May 13, 2022
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As a company, this place is hot garbage poured over a a pallet of molten hot nails and served with raw fish guts. For your insurance needs, please consider a other company. Despite all the payments made, they are in the business of seeking out ways to deny a claim. I have already decided to switch companies and I encourage everyone else to do the same. Have a blessed afternoon.
Dow Mullins
Mar 28, 2020
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I had CFM for years (4+ I believe). Never filed a claim and always paid on time. Had a horrible snow storm and a tree fell on my roof twice. (Couldn't fix the issue until after the snow storm) I paid for a new roof myself and fixed all the damage. They dined any claims that pertain to the incident because they said I didn't fix it fast enough. How I am I supposed to fix it when it snows non stop for days and anyone that could fix it couldn't come for two weeks?
I didn't notice other damage (to french doors) until later because I never open the doors in the winter. The french doors lead to a porch. They want to take your money to "cover you" but not cover you when you need it! Never use them---Sarah
I didn't notice other damage (to french doors) until later because I never open the doors in the winter. The french doors lead to a porch. They want to take your money to "cover you" but not cover you when you need it! Never use them---Sarah
Mary Claborn
Mar 21, 2020
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Went to the lighting of the magic tree! They gave out hot cocoa, cookies and other gifts. It was fun!
