About Us

Lincoln County Farmers Mutual Insurance Company, established in 1900 by a dedicated group of farmers in Lincoln County, Missouri, was born out of a shared commitment to providing financial security and property protection during times of crisis. Over the past century, this mutual insurance company has not only endured but has flourished, expanding its reach beyond Lincoln County to serve the entire State of Missouri.

Today, Lincoln County Farmers Mutual remains proudly policyholder-owned, with every policyholder holding voting rights and having a voice in the company’s direction. Guided by strong leadership, vigilant risk management, and an exceptional Board of Directors made up of its policyholders, the company continues to offer reliable property and casualty coverage. Unlike many larger insurers, Lincoln County Farmers Mutual works exclusively with carefully selected independent agencies known for their business acumen and integrity. Fully reinsured and regulated by the Missouri Department of Insurance, the company remains steadfast in its mission to provide dependable, neighborly service to Missourians.

The company motto is “Small enough to know you but strong enough to serve you.” It is more than a statement; it is also a point of pride. It is the company’s firm belief that being a company by Missourians, for Missourians, and of Missourians allows them the greatest understanding of the needs of their community. The company mission statement reads: "It is our mission to provide personal and dependable service to our policyholders with quality products at a competitive price. We are committed to protecting your family, home, and property with confidence and security wherever life takes you." That mission statement has allowed the company to build a network of employees and partnerships with high moral standards, work ethic, and common goals. That network is the core that will continue to provide policyholders with the personal and dependable service they have come to expect over the last 124 years.

We treat our policyholders as we want to be treated, with respect, dignity, and privacy.
You can depend on us to protect your home, personal property, livestock, and more! Call us for a free quote or just stop by our office which is proudly located in historic downtown Troy, Missouri. We would love to meet you!