Welcome to the Farmers & Merchants Mutual Fire Insurance Company’s Website!

We operate from our Home Office in the northern Upper Michigan community of Calumet, where the company was founded in 1904.

Farmers & Merchants is a regional property and casualty company marketing personal lines insurance coverages through independent agents in Michigan’s Upper Peninsula.

Over 45 independent agencies represent our company today, providing coverage to over 15,000 Policy holders in Upper Michigan. We can provide the insurance coverage to protect you and your property. We offer Homeowners, Renters, Mobile Homeowners, Dwelling Fire, Farm Fire, and Commercial Lines protection. Need a quote, use our Agency Locator to find an independent Farmers & Merchants agent near you!

Financial Stability

A.M. Best rates Farmers & Merchants Mutual Fire Insurance Company as A- (Excellent). Demotech rates our company as A- (Unsurpassed). These ratings reflect the strong financial position that our company has attained and will strive to maintain in the future with our conservative underwriting and investment strategies.

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