Protect your home, cottage, condo, or even waterfront vehicles with protective coverage through Ayr Farmers Mutual.

From a hobby farm to full-scale operation, or even a rural home with acreage, Ayr Farmers Mutual has insurance coverage for you.

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Auto & Vehicle

Protect your vehicles including cars, trucks, ATVs, motorcycles, and snowmobiles with coverage through Ayr Farmers Mutual.

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Commercial & Business

Ayr Farmers Mutual carries specialized insurance coverage for contractors, offices, retail, and many other types of businesses.

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Building Life-Long Relationships Of Protection & Care

Our Policyholders are more than just a number to us, they're a part of our past, present, future, and are the foundation of Ayr Farmers Mutual.

What Mutual Means To Us

We Provide Insurance Coverage With A Personal Touch

At Ayr Farmers Mutual, we provide insurance by building life-long relationships with our Policyholders and community.

With our team of dedicated Agents, Ayr Farmers Mutual has been providing protection you can trust for over 130 years. We provide an insurance experience that relies on relationships, not numbers. We take our time to get to know you and fully understand your goals, and needs. With flexible meeting options that work for you, we provide the most comfortable and convenient insurance experience you will ever have.

Just like our successes in the past and those in our future, the Mutual in Ayr Farmers Mutual depends on you.

The Ayr Farmers Mutual Difference Meet Our Team

Insurance That Works As Hard As You

Please contact us and Get Started Today! One of our Agents will work steadfastly to provide you with the information you need. Just shopping around? No problem! Our Agents are happy to help provide you with information, so you can make the best decision—For You.

Get Started Today

Whenever we call on our Agent, he is always quick to respond to us and help us with our questions or concerns. Ayr Farmers Mutual has helped our operation which is a very important key to being successful.
- Paul & Katherine Brenneman - DonRon Farms Ltd.
I had a weather-related incident take down one of my outbuildings. Ayr Farmers Mutual responded quickly and was very helpful in guiding me through the entire process. They were quick to respond to any questions or concerns I had and were respectful and knowledgeable. Thoroughly happy with this company overall.
- Drago M
You deal with real people in your community that you can go see in person or talk to on the phone. There's a very strong human element with Ayr Farmers Mutual and I don't see us ever switching as long as that exists.
- Brad Blaskavitch - Policyholder in Listowel, ON
One of the most compelling reasons to partner with AFM is the accessibility they offer. Our Agent (Doug Green) isn't just a name on our contract, but he has consistently offered unwavering help and prompt responses, ensuring we're never alone in this journey.
- Dean Karn, Karnview Farms
The best thing I ever did was switch my car and home insurance to AFM! We've never, ever been given a reason to have a negative word to say about them. Unfortunately, that also includes two claims. One on our home, as well as one accident in our brand new van. Very prompt, professional and friendly. They go so far above and beyond as well.
- Ashley Smith
I have been using Ayr Farmers Mutual since I was a teenager. I will never switch companies. They have gone above and beyond for me on multiple occasions. The loyalty and support I get cannot be matched. Thank you!
- Diane Smith
I have been with AFM for over 7 years and have always had quick and easy service. My Agent has been with me the whole time and made every new policy so easy so setup. I’ve only had to make one claim before, and it was such a smooth process. 10/10 great company and Agents!
- Rachel McKay
Whether it's a text, phone call, or email someone is always back to us right away even if it's not an urgent situation.
- Allan & Nancy Moore - Moore Farms
Unfortunately, we have had a couple of claims throughout the years. We like that we can contact our Agent anytime, by phone or email, and they get back to us almost immediately.
- Patrick & Linda MacNeil - MacNeil & Dodd Pharmacy
As of this past year, my husband researched this company online as we were looking for a better quote and service from our current policy providers. We were connected with an Agent, and are pleased to say that not only from the initial consultation of one policy, but we have also now switched all our vehicles, business and rental property to Ayr Farmers Mutual. Their rates far surpassed our previous rates, and the service is exemplary. Our Agent promptly answers all our questions and is a pleasure to deal with along with the rest of the staff we have encountered.
- Jamie Stephenson
The accessibility to our Agent and the team at Ayr Farmers Mutual is second to none. If something isn't quite right, our Agent is there for us. That's more than any price can give us.
- Darrell, Lisa & Avery Fried - FriedRidge Dairy Inc.

Job Posting: Loss Prevention Representative

Ayr Farmers Mutual Insurance Company is seeking a Loss Prevention Rep to join our team. View the job posting to learn more and to apply.

Welcome Heather McLachlin to AFM's Board of Directors

Our Board of Directors are community-minded leaders who believe deeply in protecting what matters most to you. In March of 2025, we welcomed Heather McLachlin to our Board of Directors.

How to Protect Your Property from Winter and Spring Water Damage

Taking preventative steps now can help minimize the risk of water damage to your property and save you from costly repairs down the road.

2024 Refund of Premiums

With strong financial results in 2024, largely coming by way of our investment income, our Board of Directors has approved a refund from premiums on all qualifying policies. This refund reflects our commitment to providing an exceptional experience for our policyholders, and embodies the Mutual experience. Our success is shared with you.