Tennessee Farmers Mutual Insurance: Providing Peace of Mind to Farmers

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Tennessee Farmers Mutual Insurance (TFM) is a well-respected insurance company that has been serving farmers in Tennessee for over 70 years. It was founded in 1948 by a group of farmers who wanted to find a way to protect their farms from disasters and unforeseen events. Today, TFM has over 70,000 policies in force and is known for its strong commitment to the agricultural community.

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History of Tennessee Farmers Mutual Insurance

TFM was founded in Columbia, Tennessee, by a group of farmers who wanted to create an insurance company that catered specifically to the needs of farmers. The company grew over the years and by 1978, it had expanded its services to include home, auto, and life insurance. In 2011, TFM merged with Farm Bureau Insurance of Tennessee to further enhance its products and services.

Currently, TFM is headed by CEO Jeff Aiken, who has been with the company since 2002. With over 30 years of experience in agriculture and insurance, Aiken has been instrumental in leading TFM to become the successful insurance provider it is today.

What Sets Tennessee Farmers Mutual Insurance Apart?

TFM’s commitment to the local community and agriculture is what sets it apart from other insurance companies. Because the company is owned by the farmers it serves, it understands the unique challenges that farmers face and can offer tailored coverage to address these challenges.

Another advantage of getting your insurance through TFM is the personalized service you receive. TFM has a team of local agents who are always ready to help farmers make informed decisions about their coverage.

Insurance Products Offered by Tennessee Farmers Mutual Insurance

TFM offers a wide range of insurance products to meet the specific needs of farmers. The company’s insurance products are divided into three categories: farm insurance, personal insurance, and commercial insurance.

Farm Insurance

TFM’s farm insurance policies are designed to protect farmers’ homes, farms, and personal property. The company offers coverage for farm dwellings, farm personal property, machinery and equipment, livestock, and more. TFM also offers liability insurance to protect farmers against lawsuits and accidents that may occur on their property.

What Does TFM’s Farm Insurance Cover?

TFM’s farm insurance policies cover a variety of risks that farmers face, including:

Risk
Coverage
Fire
Full coverage for dwellings and personal property
Windstorm
Full coverage for dwellings and personal property
Lightning
Full coverage for dwellings and personal property
Earthquake
Available as an optional coverage
Crop Damage
Coverage available as an optional endorsement

Personal Insurance

TFM’s personal insurance policies provide coverage for your home, car, boat, and more. The company offers a variety of coverage options to meet your needs and budget.

What Does TFM’s Personal Insurance Cover?

TFM’s personal insurance policies cover a variety of risks that homeowners and drivers face, including:

Risk
Coverage
Fire
Full coverage for dwelling and personal property
Theft
Full coverage for personal property
Liability
Protection against lawsuits and accidents
Collision
Full coverage for damage to your vehicle
Comprehensive
Full coverage for damage to your vehicle caused by things other than collision (e.g. theft, vandalism, natural disasters)

Commercial Insurance

TFM’s commercial insurance policies provide coverage for businesses of all sizes. The company offers a variety of coverage options to meet the specific needs of different types of businesses.

What Does TFM’s Commercial Insurance Cover?

TFM’s commercial insurance policies cover a variety of risks that businesses face, including:

Risk
Coverage
Property Damage
Full coverage for business property and equipment
Liability
Protection against lawsuits and accidents
Workers’ Compensation
Coverage for medical expenses and lost wages for employees who are injured on the job
Commercial Auto
Coverage for company vehicles and employees driving on company business
Business Interruption
Coverage for lost income due to a covered event (e.g. natural disaster, fire)

FAQs about Tennessee Farmers Mutual Insurance

How can I get a quote from Tennessee Farmers Mutual Insurance?

To get a quote from TFM, you can call their toll-free number or visit their website to find a local agent. The agent will ask you questions about your specific needs and provide you with a customized quote.

What is the claims process like with Tennessee Farmers Mutual Insurance?

If you need to file a claim with TFM, you can call their toll-free number or visit their website to file a claim online. Once the claim is filed, a claims adjuster will be assigned to your case and will work with you to assess the damages and determine the appropriate coverage.

What discounts does Tennessee Farmers Mutual Insurance offer?

TFM offers a variety of discounts to help farmers save money on their insurance premiums. Some of the discounts available include multi-policy discounts, safe driver discounts, and discounts for installing safety and security devices in your home or on your farm.

Does Tennessee Farmers Mutual Insurance offer coverage outside of Tennessee?

No, TFM only offers insurance coverage to residents of Tennessee.

Conclusion

If you’re a farmer in Tennessee, there’s no better insurance provider than Tennessee Farmers Mutual Insurance. With its strong commitment to the local community and personalized service, TFM has been providing farmers with peace of mind for over 70 years.

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