Proud to provide coverage for

HomeownersMobile Homeowners

Boosting Businesses

The products offered by the company are marketed through the independent agency system. We feel our agents are some of the best in the state. Relationship with our agents are built on trust, knowledge, profitability, commitment to continuing education and a willingness to help the company prosper.

Homeowners Policy

The company offers preferred and standard homeowner programs for properties across the state. This section includes homeowners, mobile homeowners and doublewide mobile homeowners. Our policies forms are structured from Basic (Form 1), Broad (Form 2), Special ACV or RC (Form 3) and HO-Renters or MH-Renters (Form 4) policies. We do offer a Special RC (Form 3), which contains replacement cost coverage on the property for both homeowners and doublewide mobile homeowners. Some of our endorsements that are available include replacement cost coverage on contents, coal mine subsidence, jewelry floater, farm liability, all-terrain vehicle property coverage and refrigerated food loss.

The company offers a wide range of preferred and standard homeowner programs to meet your insurance needs. Our Homeowner Insurance Programs provide either actual cash value or replacement cost settlement terms with limitations on the Structure provided the risk meets the standards of our underwriting guidelines.

Mobile Homeowners Policy

The company offers mobile homeowner insurance for your singlewide to meet your insurance needs. Our mobile home insurance program provides actual cash value settlement terms with limitations on the Structure provided the risk meets the standards of our underwriting guidelines.

Coverage Provided For:

  • Your Home & Attached Structures
  • Other Structures used in conjunction with premises excluding farm buildings
  • Personal Property you own Loss of Use and Additional Living Expense
  • Personal Liability Coverage for Bodily Injury and Property Damage
  • Medical Payment to Others who are injured in an accident on your premises or from your actions.

Doublewide Mobile Homeowners Policy

The company offers mobile homeowner insurance for your doublewide to meet your insurance needs. This insurance program can provide actual cash value or replacement cost settlement terms with limitations on the Structure provided the risk meets the standards of our underwriting guidelines. Policy forms offered under this program can provide coverage Basic Perils, Broad Perils, and the Special Form.

Coverage Provided For:

  • Your Home & Attached Structures
  • Other Structures used in conjunction with premises excluding farm buildings
  • Personal Property you own Loss of Use and Additional Living Expense
  • Personal Liability Coverage for Bodily Injury and Property Damage
  • Medical Payment to Others who are injured in an accident on your premises or from your actions.
Homeowners

Why Choose Us?

It’s simple, really.

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.

Contact Us

 Panhandle Farmers Mutual
3727 Waynesburg Pike Road
Moundsville, WV 26041
Office – (888) 844-2649
Fax – (304) 845-2967