Lou Millinghausen grew up and went to school in Springfield Township, a community just northwest of Philadelphia that consists of four residential areas: Flourtown, Wyndmoor, Erdenheim and Oreland. His application of local knowledge and community perspective to your insurance needs is second to none. If something concerns you, you can bet that Lou is also concerned.

FMM works constantly on developing new products and pricing for our Personal Lines customers. Our history in the community allows us to be aware of the issues that are important to you. With Internet access, we are able to identify your needs precisely and match them with the best insurance products available. Our Personal Lines products include:

• Auto: We insure you with one of 10 insurance companies, seeking the least expensive option with the best protection to suit your needs.
• Homeowners: FMM insures more homes than any other product in our agency.
• Seasonal Homes: If we insure your primary home we can usually obtain a very competitive price for your second home.
• Inland Marine for Collectibles: One of our companies will insure you for collectibles without an official appraisal.
• Antique and Classic Car Coverage: A specialty of our agency, we have numerous resources to provide our customers with the best coverage at the best price.
• On Track Insurance:  Unique coverage available for physical damage to your vehicle during high performance driver education events.  Many traditional auto policies are now excluding these events from their coverage.
• Boats and Yachts: Located close to large bodies of water, FMM insures many boats, especially those with unusual characteristics, such as powerful engines.
• Motorcycles and Recreational Vehicles: We have access to the best markets in this area.
• Investment Properties: Almost 30% of our commercial business is in investment properties.

Every client has needs specific to their situation. We exert every effort to identify these differences and examine every insurance option available to tailor coverage to each client on an individual basis.

Remember, insurance companies are under immense pressure from state insurance regulators to combat fraud. Most carriers now require claims to be reported directly to their own claims reporting centers.

This, however, does not prevent FMM from being involved if there are any claim problems. We welcome the opportunity to assistance you with your claims reporting or any other issues.