Personal Lines

The insurance agency can offer you a wide range of insurance products to best fit your insurance needs. And, as an independent insurance company, they are able to survey the market for the best products with the best rates.

  • Homeowners and renters insurance
  • Personal automobiles
  • Personal umbrella excess liability
  • Dwelling policies for rental dwellings
  • Boat, snowmobile, motorcycle and recreational vehicles
  • Flood

Commercial Lines

Business is risky enough without having to worry about all of the hazards out there. These commercial insurance products help take the worry out of business ownership while providing excellent coverage.

  • Commercial property and liability
  • Commercial automobiles
  • Scheduled equipment coverage
  • Home based businesses
  • Commercial umbrella excess liability
  • Boilers and mechanical breakdown
  • Workers compensation
  • Flood
  • Bonds
  • Crop insurance
  • Life, health and disability

Farm Insurance

Few industries are as wide open to disaster as agriculture. Weather alone plays a major role in the success or failure of your investments. We are able to offer a variety of insurance products to protect your farming operation.

  • Farm property and liability
  • Farm autos and trucks
  • Farm umbrella excess policies
  • Scheduled property
  • Crop hail insurance
  • Multi-peril crop insurance (MPCI)
  • Crop revenue coverage (CRC)

Life, Health and Disability

The agency also offers life, health and disability insurance for personal and commercial needs. Products offered include:

  • Medicare supplements for individuals over 65
  • Individual health and accident
  • Group health, disability and life

Product offerings may vary by location. Farmers & Merchants State Bank and Farmers & Merchants Company are affiliated entities.

Securities and investment products are: Not a Deposit • Not FDIC Insured • Not Insured by any Federal Government Agency • Not Guaranteed by the Bank • May Go Down in Value.