Over 45 independent agencies
represent our company today,
coverage to 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
We have received an A- (Excellent)
rating from A.M. Best Company and an
A" (Unsurpassed) rating from
Demotech, Inc. 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.
It was not a fanciful dream – but a whole series of dreams when a group of local area citizens met in 1904 to discuss the need for, and to consider establishing a new fire insurance company in Calumet. There were many skeptics but the dream burned in the minds of men like Peter Holmkruna, Fred Karinen, Erick Kakela, P.O. Lahti, Charles Lundburg, Gust Olson and others.
On February 27, 1904, a corporation named Farmers Mutual Fire Insurance Company of Houghton and Keweenaw Counties was organized. The company was incorporated on June 23, 1904, and commenced operations on July 1, 1904 to insure farm property and town dwelling properties. Through economic booms and depressions, wars and inflation, this enterprise now known as Farmers and Merchants Mutual Fire Insurance Company has endured and prospered.
In 1974, our operations outgrew our original office building on Pine Street in Calumet and our present headquarters was constructed at 100 Fourth Street in Calumet.
Now in our second century of business, Farmers and Merchants Mutual Fire Insurance Company continues to provide Security, Service, and Savings to our policyholders.