About Us

About Independent Mutual Fire Insurance Company

Over generations, Independent Mutual Fire Insurance Company has become an industry leader in providing affordable, customizable personal property insurance that fits the needs of diverse policyholders. We strive to offer innovative products that provide financial security in markets that are underserved by other carriers.

Originally founded in 1948 in St. Louis, Missouri, Independent Mutual now provides quality, cost-effective dwelling coverage from its administrative home base in Baltimore, Maryland. Over the decades, we've stayed true to our core mission—protecting personal property from various risks—while evolving into a modern business that understands and meets the insurance needs of the changing world. By expanding our portfolio to include additional endorsements for homeowners, we are able to offer a comprehensive array of up-to-date protections for our policyholders.

A Leading Personal Property Insurance Company

Rated as A- (Excellent) by A.M. Best Company, Independent Mutual Fire Insurance Company is known for its modest underwriting leverage, market expertise, solid investment earnings and long-standing presence in the home service fire and burglary market sector. We have the industry and financial stability to follow through on our promises, every time. It is this stability that has earned us a reputation as one of the most dependable personal property insurance providers in our service area.

Independent Mutual Fire Insurance Company believes that every individual deserves to be treated with fairness and dignity. We strive to uphold these values by providing unparalleled customer service and superior coverage to our independent insurance agents and policyholders. Our comprehensive personal property coverage is offered to policyholders regardless of income or credit history.

Meet The Team

Our Vision and Mission


Vision Statement
To be a leader in the home protection space that values and ensures our policyholders’ well-being, especially in their time of greatest need.

Mission Statement
We provide quality, essential and cost-effective dwelling coverages to our policyholders. We strive to offer innovative products that provide financial security in markets that are underserved by other carriers.

How We Work