Privacy Policy

Farmers Mutual Insurance Company of West Virginia is committed to protecting the privacy and security of your personal information. This Privacy Policy describes the types of information we collect, how we use and share it, and the choices available to you. It applies to all individuals who interact with us, including policyholders, applicants, claimants, website visitors, and other customers.

1. Information We Collect

We may collect the following categories of information:

• Personal Identifying Information — name, address, email address, telephone number, date of birth, and Social Security number (where legally required).
• Insurance & Policy Information — policy numbers, coverage details, premiums, payment history, claims history, and loss information.
• Financial Information — billing and payment data, bank account or card information (where applicable).
• Property & Risk Information — information about insured property, inspection reports, photographs, underwriting or claims documentation, and repair estimates.
• Technical Information — IP address, browser type, device identifiers, usage data, cookies, and analytics.

2. How We Collect Information

• Applications and forms submitted to us
• Claims submissions and supporting documents
• Communications with agents or customer service teams
• Our website and digital platforms
• Third-party service providers
• Government agencies or public records
• Consumer reporting agencies, when permitted by law

3. How We Use Your Information

• Underwriting, quoting, and issuing insurance policies
• Processing and adjusting claims
• Billing and payment processing
• Detecting and preventing fraud
• Responding to inquiries and providing customer support
• Communicating updates regarding policies or services
• Maintaining internal business operations and compliance
• Meeting legal, regulatory, and reporting obligations

4. How We Share Your Information

Farmers Mutual Insurance Company does not sell personal information. We may share personal information as permitted or required by law with:

• Licensed agents and authorized representatives
• Claims adjusters, inspectors, and repair vendors
• Consumer reporting agencies
• Reinsurers and underwriting partners
• Regulatory and law enforcement agencies
• Third-party service providers
• Legal representatives, auditors, or consultants

All third parties with access to personal information are required to protect it and use it only for authorized purposes.

5. How We Protect Your Information

We use administrative, technical, and physical safeguards aligned with industry standards, including:

• Data encryption
• Secure networks and access controls
• Employee training on privacy and security
• Regular monitoring and risk assessments

Despite these measures, no system can guarantee complete security.

6. Your Choices and Rights

Depending on your state of residence, you may have certain rights, including:

• Requesting access to your information
• Requesting corrections to inaccurate information
• Requesting a description of information sharing practices
• Opting out of certain disclosures permitted by law

7. Cookies and Online Tracking

Our website may use cookies and similar technologies to improve functionality and analyze usage. You may adjust your browser settings to limit or disable cookies, though some features may not function properly.

8. Children’s Privacy

Our products and services are not directed to children under 13, and we do not knowingly collect personal information from children without parental consent.

9. Data Retention

We retain personal information only as long as necessary to fulfill the purposes described in this policy, comply with legal and regulatory requirements, and meet insurance obligations.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Revisions will be posted with an updated effective date. Continued use of our services indicates acceptance of the updated policy.

11. Contact Us