Business Details
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Your Trusted Insurance Partner in Concordia, MO
Founded in 1869, we are Missouri's oldest farm mutual and the longest-running business in Lafayette County. Our mission centers on delivering quality insurance at competitive prices while maintaining personal, dependable service rooted in community values. With 150 years of experience, we combine financial stability with modern technology to meet evolving policyholder needs. As a policyholder-owned company, we prioritize building lasting relationships through honesty, trust, and a network of independent local agents. Our commitment extends beyond insurancewe reinvest in the communities we protect, offering tailored coverage for homeowners, farmers, and renters across Missouri. 
Services
Auto Insurance
Farm Insurance
Homeowners Insurance
Renters Insurance
Discount Programs
Highlights and features
- We have 150 years of experience serving Missouri communities.
- Our policyholder-owned model prioritizes community reinvestment over profits.
- Local independent agents provide personalized service and expertise.
- Financial stability ensures long-term reliability for policyholders.
- Customizable coverage for farms, homes, autos, and renters.
Services
Auto Insurance
CFM Insurance Auto Insurance offers bundled home-and-auto policies for Missouri residents. Coverage includes collision, comprehensive, liability, and roadside assistance with customizable deductibles. Policyholders benefit from competitive pricing and exclusive discounts for qualifying customers.
Farm Insurance
Customizable farm insurance packages protect machinery, livestock, structures, and personal property. Coverage options include replacement cost, equipment breakdown, and inflation guard protection tailored to Missouri farms of all sizes and types.
Homeowners Insurance
Homestead Exclusive, Homestead, and Home Protector policies provide specialized coverage for Missouri homes. Features include replacement cost, water damage protection, and inflation guard with options for older or newly constructed properties.
Renters Insurance
Renters policies protect personal property against fire, theft, and natural disasters. Includes liability coverage and additional living expenses for temporary housing if a rental becomes uninhabitable due to covered losses.
Discount Programs
Exclusive discounts reward military service, multi-policy bundling, legacy farms, and public safety/education professionals. Tech-savvy homeowners qualify for monitoring device discounts, while millennials receive tailored savings opportunities.
Questions
What types of insurance does CFM offer?
CFM provides auto, farm, homeowners, and renters insurance policies specifically tailored for Missouri residents through local independent agents.
Can I bundle home and auto insurance?
Yes, CFM offers exclusive bundled home-and-auto policies with special savings for Missouri policyholders who maintain both coverages.
Are there discounts available?
We offer military/veteran, multi-policy, legacy farm, and tech-monitoring discounts. Contact your local agent to check eligibility for specific savings programs.
How do I file a claim?
File claims online via the CFM Policyholder App, through your independent agent, or by calling our claims department at 800-218-2223 during business hours.
Is emergency after-hours service available?
Yes, our 24/7 emergency claims line at 888-374-6119 assists with urgent needs like uninhabitable properties outside regular office hours.
