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Home Insurance

Insurance for your home, cottage, condominium, rental property, including marine and watercraft coverage.

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FARM

Farm Insurance

Insurance for poultry, grain, dairy, equine, hog and hobby farm operations, including rural homes with acreage.

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AUTO

Auto Insurance

Insurance for your vehicle including cars, trucks, ATVs, motorcycles and snowmobiles.

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COMMERCIAL

Commercial Insurance

Specialized insurance coverage for contractors, offices, retail, churches, residential rentals and home-based businesses.

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Building

The Mutual Difference

Through sound financial risk management practices, the Board of Directors monitors and ensures the Company is financially secure to enhance growth, sustain inflation, and most importantly, meet the liabilities the Company incurs through losses.  

When these measures are obtained, combined with the results of a successful year, the Board of Directors may declare a refund of premiums to its qualifying members. This is truly the mutual difference... sharing the positive results of a successful year with our members.

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BLOG POSTS

Refund of Premium 2018

Friday, January 26, 2018

Within the company by-laws the Board of Directors at Ayr Farmers Mutual is granted the ability to declare a refund from premiums to participating Policyholders. Such a consideration is based on the company’s ... Read more

Are Insurance Rates Higher if Your Local Firehall is Volunteer?

Monday, January 22, 2018

Are home insurance rates higher when your local firehall is volunteer? The short answer is no. When Ayr Farmers Mutual rates a building, we consider three grades of fire protection, which are not conditional on the ... Read more

What Does No Fault Insurance Mean?

Tuesday, January 16, 2018

  No-Fault Insurance is one of the most misunderstood terms in insurance. A common misconception is that it means that no one can be considered at-fault for a motor vehicle collision. However, that is not the ... Read more