If you rent a house, an apartment, live in a dorm, or even senior living facilities, your personal property needs protection. Renters insurance helps to protect your personal belongings in the event of a covered loss. Landlords and apartment complex owners have coverage to protect their buildings. You need coverage to protect you.


The company offers preferred and standard homeowner programs for properties across the state. This section includes homeowners, mobile homeowners and doublewide mobile homeowners.

Business Owner

The company offers a Business owner program with policies that covers property on a Risk Not Excluded or a Named Peril basis. The policy is designed for various smaller business operations that include offices, mercantile, and churches. We provide the opportunity to write coverage based on fair market value as opposed to requiring replacement cost value.

Solutions for all of your

Home Insurance needs.Business Insurance needs.Rental Insurance needs.Identity Theft needs.

Tailored Solution

Provided by a mutual company that has been in business over 100 years!

Insurance Portal

Panhandle Mutual Mobile App

We have a new mobile app and web portal access for our policyholders!

  • Pay Your Premium

  • File a Claim
  • Contact Your Agent
  • Update Payment Information

Why Choose Us?

Trusted by thousands of West Virginians.

At Panhandle Farmers Mutual we do not have shareholders – so that means we put the needs of our policyholders first. And that results in better service… suggesting ways to minimize risk…settling claims more fairly and quickly. No wonder more than 135 million policyholders choose mutual insurance to protect their property. Become a part of something bigger. Become a member of a mutual.


We’re Here To Help You

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