Farmers Mutual of Tennessee (FMT) is a mutual insurance company that focuses on providing various coverage like home, farm, mobile home and church insurance to policyholders located in Tennessee. As a member-owned insurer, FMT strives to offer fair rates and high quality service to local communities. Their website allows users to easily obtain quotes online, find an agent, manage accounts and file claims. FMT appears to be properly licensed and has no reports of issues in Tennessee. With proper licenses, good online info and local focus, FMT seems to be a valid mutual insurer.