Panhandle Farmers Mutual Insurance
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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.
Services
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.
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 company offers fire and extended coverage on owner and rental dwellings, seasonal properties, barns, other farm structures, farm equipment, livestock and farm personal property.
Begin your digital experience today by obtaining a quote using any mobile device.
It's fast and easy to receive a quote and is all done online without the need to speak to anyone.
Once you complete the quote you can proceed to activating your policy which will then give you access to our web portal BriteApps.
From there you will be able to make payments, upload photos, contact someone if you need assistance, file a claim and request changes to your policy with 24/7/365 access to your policy and documents.
Panhandle Farmers Mutual Insurance Company continually seeks to enhance the products and services that we provide to our agents and policyholders.
Including Equipment Breakdown coverage enhances the value of our policies, keeps our product competitive and responds to your growing need for insurance from technical risks.
We believe this to be a very significant coverage enhancement.
Equipment Breakdown coverage protects the heart of a business; the equipment, electronics, machinery and systems that businesses rely on every day.
What is Home Systems Protection Coverage?
Home Systems Protection, an enhancement to homeowners insurance, offers a unique solution - contemporary coverage for home systems breakdowns.
Who Needs this Coverage?
Homeowners, condo owners and tenants can all benefit from this coverage.
This coverage protects a wide range of home systems and equipment, including a home's main systems, appliances and electronics.
Insureds depend on these various systems that are costly and subject to breakdowns.
Home systems, such as heating, air conditioning and electrical, can be a significant portion of a home's value.
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