Farmers & Mechanics Insurance Companies
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
No formal public underwriting or appetite guide was found on the official site. Current verified public guidance indicates Farmers & Mechanics writes home-related personal lines in West Virginia, with the broader company structure also supporting Virginia business through its affiliated Virginia company. For Home, the public-facing offering includes homeowners, renters, vacation/secondary home, and mobile/manufactured home coverage. The carrier positions itself as a West Virginia-focused insurer with local market expertise and customizable policies, and highlights standard property, personal property, liability, and additional living expense style protection. Public materials mention common exclusions/limitations such as flood, earthquake, and wear and tear as examples for policy review, but do not publish a detailed list of declined classes, construction restrictions, age-of-home rules, protection class limits, coastal/cat guidance, or occupancy restrictions. Geographic notes: the West Virginia domiciled mutual writes property and casualty solely in West Virginia; the site also states it is currently writing business in West Virginia and Virginia, which appears to reflect the affiliated Pulaski & Giles Mutual operation for Virginia rather than the WV mutual itself. Submission/quote guidance: prospects can submit a quote request online with name, address, state, ZIP, contact details, insurance type, and comments; the form is expressly for quotes only, and all other inquiries are directed to call 800-444-1917. Agent/broker notes: a For Agents page provides Diamond Access including form/manual/document search plus E2Value login, and a Become an Agent contact form, but no public broker appetite bulletin or underwriting manual details were accessible. Service instruction: the contact page states no policy inquiries, payment inquiries, or policy changes should be made through the website and insureds should contact their agent for those matters.