Panhandle Farmers Mutual Insurance Company

(888) 844-2649 [email protected]



Glade Creek Grist Mill, Fayette County

Panhandle Farmers Mutual Insurance Company offers a variety of property and casualty insurance products primarily designed to meet the needs of the small rural communities of West Virginia. The Company presently writes dwelling fire, allied lines, homeowners, mobile homeowners, farms, small commercial and liability coverage. The majority of our coverage is written on an Actual Cash Value policy

Dwelling Fire

The company offers fire and extended coverage on owner and rental dwellings, seasonal properties, barns, other farm structures, farm equipment, livestock and farm personal property. This affords an opportunity for property owners, small gentlemen type farmers and landlords to obtain reasonable coverage on a variety of properties.

Commercial Lines

The company offers commercial line products specifically designed to meet the needs of the smaller commercial type risk. The product is geared toward the small operations that might include Mom & Pop type risk, churches, office buildings and their contents. The coverages consist of fire and extended coverage.


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.

Building the Future

Our company will strive to identify and implement products, technology and expansion of services that will be to the benefit of our clients, which are our member policyholders and the agents that market our products.


The company offers preferred and standard homeowner programs for properties across the state. This section includes both homeowners and mobile homeowners coverages. Our policies forms are structured from Form 1, Form 2, Form 3 and Form 4 policies. We do offer a preferred Form 3, which contains replacement cost coverage on the property. 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.

Business Owner Policy

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.