About Us

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Welcome to Panhandle Farmers Mutual Insurance Company! We are one of eleven domestic farm mutual companies operating in the state of West Virginia. In 1898, the insurance department granted permission for the company to begin selling insurance. Since that time many things have changed but we still pride ourselves in providing a much-needed service to our area and customers.

Thank you for visiting our website which showcases various locations with scenic photos of our great state. This will be noticeable as you navigate from page to page throughout the site. We are privileged to be located in one of the pristine areas of the nation that exhibits rolling mountains, flowing streams, surreal beauty and several historical covered bridges. We hope your visit to our website will be beneficial and that your travels will present you the opportunity to visit some of the areas shown here.

On April 1, 1897 a group of six local farmers in Ohio County got together and decided to start an insurance company for the farming community. After the needed capital was raised, the WV Department of Insurance issued a charter dated February 10, 1898 and Panhandle Farmers Mutual Insurance Company of West Virginia became a company. For many years, the writing territory was confined to the northern panhandle of West Virginia which, is how the company got its name. The product line was Fire and Lightning Coverage only on Standard Fire policies. The original location of the home office was Clinton, WV in Ohio County.

For the next 50 years the company showed modest growth and restricted writings to the northern panhandle of West Virginia. After that period, the directors, looking into the future, decided to expand the writing territory to other counties and make Extended Coverage available. This practice continued for another 20 years.

Moving into the seventies, the company’s writing was expanded to include Homeowners, Mobile Homeowners, Farms and small Commercial type risks. Today, our writing territory has been increased to include all of West Virginia. With added product lines and increased writing territory came growth and the need to expand the office. In 1986 land was purchased for the purpose of building a new office building. After its’ completion, a dedication ceremony was held on October 3, 1987 to officially open the new headquarters of Panhandle Farmers Mutual. This office is located on Rt. 250 five miles south of Moundsville, WV in Marshall County and it is the present location of the company.

In 1998 distinguished guests, local businesses and many friends joined with us to celebrate a major milestone of being in business for 100 years. Several changes have occurred since that meeting of those farmers in Ohio County, but we still work from the same principles of our founding fathers; “to provide a quality service and competitive price for our area.” We hope to accomplish this for many years to come.

Insured Access Portal

Pay your premium, update payment information, upload documents, view your policy, file a claim (with photos!), contact your agent, and more with the Panhandle Insurance app, available in the iTunes or Google Play store.

You can also access the web portal version by clicking on the “Insured Access Portal” at the top of this page and registering your policy.

Why Choose a Mutual?

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.