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

National Checklist Day: Your Home Inventory Guide

National Checklist Day is a reminder that organization isn’t just about productivity; it’s also about protection. When it comes to your home and personal property, an updated inventory can make all the difference after a fire, theft, or storm loss. Having accurate records helps your insurance adjuster process a claim quickly and ensures that the coverage you’ve worked hard for truly works for you. Start with a simple list of your valuables. Include furniture, electronics, appliances, décor, and other items that would be costly to replace. Don’t forget seasonal equipment, jewelry, or specialty items like sporting or hunting gear and collectibles. If you’ve recently acquired antiques or other high-value pieces, talk with your agent about additional coverage options to protect their appraised worth. Modern tools make the process easier than ever. Use your smartphone to take photos or record a video walkthrough of each room. Narrate what you see, describe brands, models, or serial numbers when possible, and store the files securely in cloud storage or an external drive. For receipts or proof of purchase, snap a quick picture and attach it to your digital inventory folder. Be sure to include off-site storage such as a storage unit, barn, or detached garage so nothing of value is overlooked. Here’s a quick reminder checklist to get started: List every room, including closets and storage spaces Include off-site storage areas and outbuildings Photograph or video each area Record item details and approximate values Keep receipts or appraisals for high-value items Update your list after major purchases or renovations Review your coverage with your agent annually Taking the time to organize your inventory today means less stress and fewer questions tomorrow. Your agent is always ready to help you make sure your protection reflects your life as it changes, whether you’re adding new...
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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!