Protecting What You Value Most

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.

We offer Annuities (indexed and fixed), Life, Health, Multi-peril Crop and Crop Hail insurace in addition to Personal (Auto, Home, Farm, Bonds) and Commercial (Vehicles, Property, Liability) insurance.

If you don’t see the type of coverage you’re looking for outlined here, give us a call at 320.669.4431. 

Stop in for a quote, or click here to request a quote online.

Insurance products are subject to terms, conditions and exclusions not described on this website. The information on this website concerning F & M Insurance policies and other products is intended to give you an overview of the policies and products offered by our agency. None of the information—including any policy or product description—constitutes an insurance policy. Your policy will contain the specific details of the coverages, terms, conditions and exclusions.

Annuities

Annuities are investments issued by insurance companies...

Disability

Provides a portion of your income if you are unable to work. 

Life

There are a lot of reasons you need life insurance...

Health

Health insurance helps pay for medical expenses...

Auto

Personal auto insurance is required by law in most states...

Home

Protection for damage to your property...

Farm

Tailored to your individual risk, including farming operations...

Bonds

A bond is a loan from an investor to a borrower...  

Commercial

Business buildings, personal property, inventory and more...

Crop

Protection against loss of crops due to natural disasters...