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about f&m

The best coverage at the best price

F & M Insurance is an independent agency. That means we work with several insurance companies to tailor your insurance policy to your needs and to ensure we provide the most competitive pricing.

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File A Claim

When the unexpected happens, we’ll work with you to provide fast resolution and help get you back to good.

Manage Your Policy

Do you have changes to make to your policy? Fill out the requested information and we'll take care of the rest.

Get A Quote

Tell us the type of coverage you're looking for along with your info, and we'll prepare a quote with the most competitive rates.
what we offer

Types of Coverage


Help build a guaranteed income stream or a retirement nest egg.



Insure income against the risk that a disability creates a barrier for work.



Financial protection for your family in the event of your passing.


Health insurance covers medical costs and offers other benefits.


Covers damage to your vehicle and other damages for which you're liable.


Repair or replace your home and contents damaged by certain perils.


Covers machinery, buildings, livestock, equipment and more...


A promise by a borrower to pay a lender their principal and usually interest.


Covers losses related to unexpected events like lawsuits.



Protect against either the loss of their crops or loss of revenue .

Compare & get the right coverage...
when you need it most

Policies Written
Knowledgable Agents
of Happy Clients
Years in Business

Offering great insurance solutions

Why are my personal auto policy premiums continuing to go up?

Due to inflation and the cost of replacement part costs and the labor to install, along with a higher incidents of losses.

How much homeowners insurance coverage should I have for my dwelling?

The answer to this question can be complex, but the two big parts is having it written with replacement cost coverage and if you are using a current replacement cost calculation on your dwelling, you should be covered adequately.

How can I lower my personal auto policy premium?

Use higher deductibles, have no violations or accidents,  place your auto coverage at the same carrier that covers your homeowners.