Business Details
Your Trusted Local Insurance Partner in Farmington, MO
Established in 1895, our company was founded by a group of farmers committed to providing financial security through property protection. Over 125 years, we've maintained our core values of trust, privacy, and community service while adapting to modern needs. Our team of experienced agents delivers personalized insurance solutions tailored to individual and business requirements. We prioritize transparent communication and compliance with all regulatory standards to protect client information. With a legacy of local ownership and a deep understanding of agricultural and rural needs, we continue serving as a trusted partner for homeowners, farmers, and businesses across Southeast Missouri. 
Services
Home Insurance
Farm Insurance
Auto Insurance
Commercial Insurance
Umbrella Coverage
Highlights and features
- We have over 125 years of continuous service to St. Francois County residents
- Our agents provide personalized insurance solutions tailored to rural and agricultural needs
- Local decision-making ensures faster claims processing and policy adjustments
- We maintain strict privacy protections for all policyholder information
- Community ownership means reinvesting profits locally through competitive rates
What people say
Timely and professional service
Competitive rates with better coverage
Knowledgeable insurance agents
Quick claims processing
Supports local community
Services
Home Insurance
Protects residential properties against damage from covered perils including fire, storms, and theft. Includes options for personal liability protection and coverage of valuable items like antiques and jewelry. Available with additional endorsements for earthquake protection and sewer backup coverage.
Farm Insurance
Comprehensive protection for farming operations including machinery, equipment, and livestock coverage. Offers customizable policies for farm dwellings, outbuildings, and liability protection. Includes specialized coverage for weight of ice damage and full glass replacement on agricultural structures.
Auto Insurance
Flexible policies covering personal and commercial vehicles including cars, trucks, and specialty vehicles. Features competitive rates with available discounts for multi-vehicle policies, safety features, and full glass coverage. Offers GAP protection and rental reimbursement options.
Commercial Insurance
Tailored risk management solutions for businesses including general liability and property coverage. Offers Business Owners Policies (BOP) and workers compensation insurance. Designed to protect various commercial operations while meeting specific regulatory requirements.
Umbrella Coverage
Provides additional liability limits beyond standard policies to protect personal and business assets. Offers cost-effective protection against major claims or lawsuits. Particularly recommended for those with significant assets or high-risk exposures.
People
Kenneth Graham
President
Third-generation insurance professional leading the company with over 30 years of industry experience. Committed to maintaining the organization's founding principles while implementing modern risk management strategies.
Brian Graham
Company Manager / Agent
Licensed agent with specialized expertise in farm and commercial insurance. Handles policy customization and claims management while maintaining active involvement in community agricultural organizations.
Carri Thebeau
Agent
Experienced insurance professional focusing on residential policies and customer education. Recognized for helping clients optimize coverage while reducing annual premiums through personalized policy reviews.
Patricia Daugherty
Administrative Assistant
Supports daily operations with over 15 years of insurance industry experience. Manages policy documentation and client communications while ensuring regulatory compliance for all administrative processes.
Dennis Norris
Vice President
Board member with extensive agricultural background guiding strategic decisions. Represents policyholder interests while maintaining the company's financial stability and long-term sustainability.
Questions
What types of insurance do you offer?
We provide home, farm, auto, commercial, and umbrella insurance policies tailored to individual and business needs in Southeast Missouri.
How long have you been in business?
Since November 21, 1895, making us one of Missouri's oldest continuously operating farm insurance providers with four generations of local ownership.
What is your claims process like?
Our local agents handle claims directly with adjusters typically responding within 24 hours and processing payments promptly after assessment.
Do you offer discounts?
Yes, we provide multi-policy discounts, safety feature incentives, and competitive pricing through personalized policy reviews.
How do you protect customer information?
We maintain strict privacy protections complying with state and federal regulations without sharing personal data with third-party vendors.
Why choose a local insurance company?
Local ownership means faster decision-making, better understanding of regional risks, and reinvestment in community development through competitive pricing.
