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Superior service and coverage. Because we live where you live.

Farmers and Mechanics Mutual Insurance Association of Cecil County is a locally owned and operated insurance company that has been serving the people of Cecil County, Maryland, for nearly 150 years. Since its humble beginnings in 1875, our company has remained committed to providing exceptional service and coverage to our clients.

Our History

Our story began when a group of concerned neighbors met at Henry H. Kimble's home to discuss the urgent need for an insurance company in Cecil County. Since then, we have grown and evolved, but our roots remain firmly planted in the community. Today, our offices are still located in the village of Zion, where we continue to serve the same community that has entrusted us with their insurance needs.

Our Services

At Farmers and Mechanics Mutual Insurance Association of Cecil County, we offer a range of insurance products and services designed to protect our clients and their properties. Our team of experienced insurance professionals is dedicated to providing personalized service and tailored solutions to meet the unique needs of each of our clients.

Homeowners Insurance

Our Homeowners Program offers comprehensive coverage that is flexible and can be customized to your needs. This program provides coverage for your home, including the structure, personal property, and liability. Our policy features include named perils on building and contents, all causes of loss on building, and named perils on contents.

Farmowners Insurance

Our Farmowners Policy is designed to combine the personal and business exposures of the family-owned farm. This policy provides coverage for farm structures, equipment, and inventory, as well as liability coverage for agricultural activities.

Combination Dwelling Insurance

Our Combination Dwelling Program is designed for landlords of tenant-occupied dwellings. This policy provides coverage for the landlord's interests, including damages to the property, liability, and loss of rental income.

Manufactured and Mobile Homeowners Insurance

Our Mobile/Manufactured Homes Program offers comprehensive coverage for manufactured and mobile homes in a simplified format.

Why Choose Us?

At Farmers and Mechanics Mutual Insurance Association of Cecil County, we are committed to providing exceptional service and coverage to our clients. We are local, and our team of experienced insurance professionals is dedicated to working with you to find the best solution for your insurance needs. Our comprehensive products and personalized service make us the trusted choice for homeowners, farm owners, and property managers in Cecil County, Maryland.

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