Services – Farm Mutual Insurance of St. Francois County

How can we help you?

We are your full service insurance company with a small town feel.
We cover everything from homes to farm equipment and lots of in-between.

Homeowner Insurance

For many people owning a home is the fulfillment of the American dream. You want to make sure that you have sufficient coverage on your investment. Homeowners insurance can cover your home, outbuildings and personal property if damaged. Personal liability protection may also be added to this policy.

Other coverage options:

Specific coverage for valuables such as Guns, Antiques, Jewelry, Collectibles, etc.
Sewer & Water Back Up
Earthquake
Additional Living Expense

Farm Insurance

We understand that farming is a way of life. That is why this coverage goes beyond the ordinary coverage to provide an effective and flexible insurance policy for your farming operation. You and your agent can design a protection program that meets your unique needs with options including:

Coverage for your home place and/or rental dwellings
Machinery and equipment, including tools and ATV’s
Farm outbuildings
Livestock coverage
Weight of Ice, Sleet or Snow Coverage
Farm and employee liability
Full Glass replacement

Dwelling Insurance

This policy is for non-owner occupied dwellings. Some of these include…Seasonal Dwellings, Rental Dwellings and Builders Risk. Coverage can also be included for outbuildings & personal property. Personal liability protection may be added to this policy.

Other coverage options:

Sewer Back Up
Roof Replacement
Theft of construction materials
Earthquake

Renters Insurance

Landlords may have property insurance, but their policy doesn’t apply to your belongings or cover you
when an accident happens. Keep in mind that without renters insurance, you run the risk of paying out of pocket for loss or damages of the following:

Personal Property
Personal Liability
Earthquake

Auto Insurance

We believe that an auto policy should fit your lifestyle. We offer very competitive rates on many types of auto policies including personal auto vehicles, farm vehicles and trailers, motorcycles, ATV, golf carts, motorhomes, campers, horse trailers, boats and more…

There are many options and discounts available to enhance your policy to tailor fit your insurance needs such as:

Multi-Vehicle Discount
Safety Feature Discounts
GAP Coverage,
Full Glass Coverage
Labor/Towing/Rental

Commercial Insurance

A commercial policy should be tailor-made to fit your company. We offer many different types of commercial insurance.

General Liability Insurance
Commercial Property Insurance
BOP – Business Owners Policy
Workers’ Compensation Insurance