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Farmers & Mechanics Mutual Insurance Co. of West Virginia

Farmers & Mechanics is a Property and Casualty Company represented by over 400 licensed agents with over 100 independent agencies throughout the state of West Virginia. They are the 5th largest Homeowner carrier and the 2nd largest Farm owner carrier in the state. The company has been governed by a Board of Directors since its organization in 1877 and currently has a staff of 32 employees. Farmers & Mechanics is a strong supporter of local community charities and organizations.
Farmers and Mechanics Mutual Fire Insurance Company of West Virginia certified and acknowledged by the Court of Berkeley County in the State of West Virginia. They are the oldest Mutual Fire Insurance Company in West Virginia. In 1941 the State Insurance Commissioner recommended the Adoption of Constitution and By-Laws. In 1942 they became a member of NAMIC, National Association of Mutual Insurance Companies.
An individual insurance policy that provides coverage for both Section I Property and Section II Personal Liability and Medical Payments under one policy. Section I covers the owner-occupant of a dwelling for a multitude of perils. While Section II covers for legally obligated damages of bodily injury or property damage arising out of an insured’s premises or personal activities. Medical Payments to others covers medical expenses incurred by persons, other than the insured, for an accident arising out of an insured’s premises or personal activities.
The firm provides coverage on a dwelling used solely for residential purposes with incidental occupancies or up to five roomers or boarders are permitted, containing not more than four apartments, and dwellings in the course of construction.
Farmers and Mechanics Mutual Insurance Company knows how important reliable insurance service is to you. They are doing their part to ensure that their services and company operation will be able to deliver measurable results and be competitive in the field of insurance. The Company is able to respond immediately to the changing conditions of the insurance industry with faster service and employee expertise of solving problems. Their goal is to make sure the customer’s shopping process begins and ends with Farmers and Mechanics.
Each year Farmers and Mechanics accept the challenge of providing excellent claims service to their customers. Their experience and preparedness give them every reason to believe their service is second to none.

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