Southeast Missouri Mutual Fire Insurance Company (SEMO Mutual) has provided security and protection to families, farmers and businesses for more than 90 years. Formed at the turn of the 20th century, Missouri's mutual insurance companies provided rural property owners with insurance that was not easy to obtain. SEMO Mutual continues that practice and provides farm owners and rural Missourians with farm and property insurance. Use our website to learn more about insurance and the coverages we provide.