If you’ve ever seen a Farmers Insurance commercial or heard the iconic jingle, you know the phrase:
“We are Farmers. Bum ba-dum bum bum bum bum.”
At Joel McKinnon Insurance, we proudly live and breathe those words. Our agency has been built on a deep foundation with Farmers Insurance. It’s more than a partnership — it’s a part of who we are. For over two decades, we’ve represented the Farmers brand with pride, purpose, and professionalism. We’ve walked hand-in-hand with our clients through new homes, growing families, start-up businesses, major life milestones, and devastating losses. Through it all, our commitment has never wavered.
But while our heart is firmly rooted in Farmers…
We are so much more than that.
The Reality of Insurance Today
The truth is, life is more complicated than it used to be. You’re not just driving a car and living in a home anymore — maybe you’ve got a side business, a rental property, a boat at the lake, a golf cart for the campground, or even a growing collection of rare coins or sports memorabilia. You might be running a hair salon during the day, operating an online store from your garage, and planning to start a food truck next spring.
People’s lives are layered. So is their risk.
And we believe your insurance agent should be equipped to handle all of it — not just the basic stuff.
That’s where we come in.
Yes, We Do Home and Auto — But That’s Just the Start
We still believe in being the go-to agency when you buy your first house or add a new driver to your auto policy. That will never change. Those are milestones worth celebrating — and protecting. But for every home and auto policy we write, there’s often more behind the scenes:
- A rental property purchased as an investment
- A jet ski or boat waiting for summer adventures
- A motorcycle or ATV for weekend fun
- A dune buggy for trail riding or sand dunes
- A golf cart used in the neighborhood or at the lake
- A vacation home in another state that needs seasonal protection
- A diamond ring, watch collection, or vintage sports cards tucked away in a safe
These aren’t just “things.” They’re yours — and they matter.
We make sure they’re insured properly, with companies that specialize in the unique coverage they deserve.
We Represent More Than Just One Name
While Farmers Insurance is the flagship carrier we lead with, our agency has access to a broad marketplace of other specialized companies. Why? Because not every client’s needs fit inside one box.
Take flood insurance, for example. We can write through Farmers Flood, but we also work with trusted national providers like AON Edge, Neptune, and NFIP, ensuring we can find the best rate and coverage no matter the situation.
Need to insure a classic or collector car? We partner with Hagerty, JC Taylor, and Grundy — the best in the business when it comes to protecting vintage and specialty vehicles.
Looking for life insurance? We offer a full range of options through Farmers New World Life, including:
- Affordable term life coverage for young families
- Whole life policies with guaranteed cash value
- Indexed Universal Life (IUL) options for long-term planning
- Guaranteed issue life coverage with no medical exams
And if your needs go beyond personal coverage into the business world, you’re in the right place.
Business Insurance Built for Today’s Entrepreneurs
Our commercial insurance capabilities have grown alongside the businesses in our community. We now serve companies of all shapes and sizes — from one-man contractors with a pickup truck to multi-location restaurants and retail operations. We’ve helped insure:
- Contractors – HVAC, electricians, plumbers, painters, handymen
- Landscapers – from solo operators to full crews with trailers and trucks
- Barbers and hair salons
- Pet groomers and kennels
- Office spaces and medical clinics
- Restaurants – from fast food to fine dining, franchises to food trucks
- Fitness centers and boutique gyms
- Property owners with rental units or commercial buildings
- Builders and developers needing builders risk or vacant property policies
We work with an impressive array of business insurance carriers beyond Farmers, including Progressive Commercial, USLI, Hiscox, Chubb, Hartford, Philadelphia, Liberty Mutual, Next, and Travelers. These partnerships allow us to tailor coverage specifically to your business, your risks, and your goals — not just plug you into a one-size-fits-all policy.
Need bonds? We do that.
Need builders risk insurance for a new construction project? We do that too.
Vacant buildings? Short-term coverage? Franchise requirements? We’ve got it all covered.
One Agency. Every Need. Every Time.
At the end of the day, what sets our agency apart isn’t just the companies we represent — it’s the way we show up for our clients.
We’re not just writing policies and collecting payments. We’re advisors. Advocates. Neighbors.
We’re here to explain the confusing parts, to walk you through the gray areas, to fight for you when you have a claim, and to make sure your family, your business, your investments, and your passions are fully protected.
We take the time to ask the extra questions. We want to know what’s in your garage, what’s in your safe, what hobbies you have, and what’s coming next in your life or business — because all of it matters when it comes to insurance.
It’s More Than Just a Job. It’s Our Mission.
We are Farmers. And we’re proud of that. But our mission goes beyond a single logo or brand. Our mission is about you. Your protection. Your peace of mind. Your future.
We’ve built this agency to be your one-stop, go-to, full-service insurance partner — no matter where life takes you.
Whether you’re buying a new home, insuring a dream car, opening a salon, or planning your family’s financial future — we want to be the first call you make.
Let’s Talk. We’d Love to Help.
You don’t have to go it alone — and you don’t have to settle for a 1-800 number or a chatbot when it comes to protecting what matters most.
Give us a call, shoot us a text, send us an email, or stop by our office. Let’s sit down, talk through your needs, and create a plan that makes sense for you.
Phone: 330-339-3431
Email: joel@mckinnonagency.com
Website: joelmckinnon.com
Location: Dover, Ohio — and licensed in multiple states!
We are Farmers. We are local. We are experienced. We are your insurance team.
Let us show you how we’re more than just a policy — we’re a partner.
