Lincoln County Mutual Insurance Agency, Inc.

Committed to providing coverage and service that counts.

Insurance is what we are all about! It is our mission to provide our Insureds with coverage that is compatible to their lifestyle, easy to understand and supportive to their wants and needs.

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We are located on historic Main Street in Troy, MO, housed inside Lincoln County Farmer’s Mutual Insurance Company. Lincoln County Mutual Insurance Agency (LCM) consists of a small, talented and highly knowledgeable team whose main goal is to provide Insureds with the best coverage, customer support and peace of mind.

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We are located on historic Main Street in Troy, MO, housed inside Lincoln County Farmer’s Mutual Insurance Company. Lincoln County Mutual Insurance Agency (LCM) consists of a small, talented and highly knowledgeable team whose main goal is to provide Insureds with the best coverage, customer support and peace of mind.

Depend on Us

Life is unpredictable, and you never know what could happen to the things you value. You can depend on us to protect your home, automobiles, personal property, business, farm, livestock and more!

Products

We offer a range of coverages to help you achieve the protection you’re after. Not sure what you need or what it costs? Contact us to discuss the coverage that suits your needs.

auto
home
recreational
farm
inland marine
camper rv

Christmas Lights & Holiday Decor – Brightening the Season Safely at Home

There is nothing quite like the glow of holiday lights to signal the start of the season. Homes, farms, and neighborhoods across Missouri light up as families decorate, gather, and celebrate. While holiday decor adds warmth and joy, it also brings a temporary increase in fire, electrical, and property risks if safety steps are overlooked. A little preparation goes a long way in keeping the season merry, bright, and safe. Choose Decorations with Safety in Mind Not all decorations are created equal. When purchasing lights, inflatables, extension cords, or electric decor, look for products that are UL or ETL certified. These certifications indicate that the product has been tested to meet recognized safety standards. Avoid using older light strings that show signs of wear, such as frayed wires, cracked insulation, loose bulbs, or exposed metal. If a strand looks questionable, it is best to retire it. Decorations are far less expensive than repairing fire or electrical damage. Outdoor decorations should always be rated for outdoor use. Indoor lights are not designed to withstand moisture, cold temperatures, or temperature fluctuations Avoid Overloading Outlets and Extension Cords One of the most common holiday hazards is overloading electrical systems. Use extension cords sparingly and only as a temporary solution. Extension cords should never be run under rugs, through doorways, or pinched behind furniture where heat can build up unnoticed. Power strips should not be daisy chained together, and outlets should never be overloaded to accommodate just one more strand. If you find yourself needing multiple cords or adapters, that is often a sign to scale back or rethink the setup. A simpler display is often the safer option. Practice Safe Outdoor Lighting When decorating outdoors, use ground fault circuit interrupter outlets when available. Secure cords away from walkways to prevent tripping hazards, especially...
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Get In Touch

Call us for a free quote or stop by our office; we would love to meet you! Also ask us how you can save 20% on your auto insurance when you purchase both home and auto insurance with us!