Farmers & Merchants Bank knows that insurance products are an important element in the financial needs of both individuals and businesses. We offer a full range of insurance coverage, at very competitive rates. Contact us to discuss your needs and all the details!

Products we provide include:


  • Property Coverage for buildings, equipment, personal property
  • General Liability Coverage for premises and operations, fire damage, injury
  • Business Income Interruption Coverage
  • Crime Coverage for employee dishonesty or forgery
  • Professional Liability Coverage
  • Health and Welfare Coverage for your employees
  • Surety Bonds


  • Property and Casualty Coverage for your home and vehicles
  • Life Coverage - term, whole, or universal
  • Health Coverage including accident, disability and long-term care
  • Personal Liability Umbrella
Insurance products are not deposits or other obligations of, or guaranteed by a depository institution or its affiliates, and are not insured by the FDIC or any other agency of the United States, a depository institution or its affiliates. May lose value.
205 S. Main St.     P.O. Box 1111     Timberville, VA 22853     (540) 896-8941