Farmers Mutual Insurance of Columbia, SC

Welcome to Farmers Mutual Insurance Agency, proudly serving Columbia, South Carolina and surrounding areas. We provide everything from car insurance to home insurance to farm & ranch insurance.

Frequently Asked Questions

Insurance provides financial reimbursement to cover actual or projected losses and expenses. The most common categories of insurance are: Personal Health, Auto & Recreational Vehicle, Identity Theft, Life Insurance, High Net Worth, Home & Property, Travel and Umbrella.

WHAT ARE THE DIFFERENT TYPES OF INSURANCE?

Auto and Motor Vehicle Insurance

Auto and Motor Vehicle insurance provides financial coverage in the event of an accident, theft, vandalism or collision involving a motor vehicle. Auto insurance policies typically provide property, liability and medical coverage. Property coverage pays for damage to or theft of a vehicle. Liability coverage takes care of the policyholder’s legal responsibility to others for bodily injury or property damage. Medical coverage pays for the cost of rehabilitation, treating injuries and in some cases lost wages and funeral expenses. Auto and RV insurance covers cars, RVs, motorcycles, all-terrain vehicles (ATVs) and watercraft.

Home and Property Insurance

Home and Property insurance guards a policyholder’s physical residence and its contents against loss or damage from perils such as fire, flood, theft, vandalism, hurricane, hail and lightning. It also covers an individual’s legal responsibility (liability) for any injuries people might suffer while on the covered property. The main types of Home and Property Insurance are: Homeowners Insurance, Mortgage Indemnity Guaranty, Mortgage Insurance, Title Insurance, Excess Liability Insurance and Excess Flood Insurance.

Identity Theft Insurance

Identity Theft insurance reimburses victims for the cost of restoring their credit standing and identity after their name and personal data have been fraudulently used for economic gain. These costs can include lost wages, phone bills and legal fees.

Life Insurance

Life insurance protects against economic loss in the event of a death, by paying a death benefit to the beneficiaries of the policy once the policyholder dies. This death benefit provides financial security by replacing lost income or paying final expenses such as funeral costs.

Personal Health Insurance

Personal Health insurance provides financial coverage for medical expenses or lost income resulting from illness or accidental bodily injury. Covered expenses can include preventive and diagnostic care such as medical exams, laboratory tests and X-rays, as well as hospitalization, surgery, physicians’ fees, maternity care and medication. There are several categories of personal health insurance, including: Health, Dental, Vision, Supplemental/Voluntary Health, Private Medical and Personal Accident.

Medicare Supplement Insurance

This is designed for the senior citizen who participates in Medicare, yet desires additional coverage to help with many of the expenses that Medicare does not pay.

Supplemental Medical Insurance*

This is ideal for supplementing your primary health insurance coverage. It provides you with a pre-determined benefit amount for those extra, unbudgeted expenses that arise. Unless you tell us otherwise or benefits are assigned according to state law, the benefit is paid directly to you. You decide how the money is spent. Benefits may be paid for necessary: - Hospitalization - Accidental injury - Outpatient surgery - Extended care - Intensive care

Travel Insurance

Travel insurance provides coverage for trip cancellation, travel interruptions and delays, emergency medical and health expenses, medical evacuation costs and lost, damaged or delayed baggage.

Renters Insurance

Renters insurance is for anyone who rents a home, be it a house or an apartment. Renters insurance can protect your personal property against fire, theft and vandalism. Renters insurance can help protect you in case of a liability lawsuit against you.