We know how important your home is. It’s often your single biggest investment and you want to be certain it’s well protected.

An Ayr Farmers Mutual Agent or Broker would be pleased to assist you in finding the right insurance package.

Select from one of our many products:

  • Homeowners Packages

  • Tenant Packages

  • Condominium Packages

  • Superior Seasonal Homeowners

Tailored to suit, we have many additional coverages available:

  • Combined Limit Endorsement: For extra protection, combines the Dwelling, Detached Private Structures, Personal Property and Additional Living Expense limits into one limit of insurance when necessary.

  • Guaranteed Replacement Cost: AFM will insure what it will cost to replace or repair any insured damage to the dwelling, even if the damage exceeds the stated policy limit, subject to the policy wordings and limitations. This coverage applies only to the dwelling.

  • Identity Fraud: Provides coverage for reimbursement of costs for reclaiming your personal identity resulting from an Identity Fraud occurrence.

  • Credit Card, Bank Card Coverage

  • All Risk Fine Arts

  • All Risk Computer Equipment

  • All Risk Boats and Motors

  • Business in Home Coverage

  • Plus many others

Additional home insurance coverages, information and tools:

At Ayr Farmers Mutual, we acknowledge working together to mutually protect your property. We are pleased to offer a number of discounts that reflect your loyalty, loss prevention awareness, etc. Be sure to ask your agent or broker which ones are available for you.


Should I Insure My Bicycle?

Monday, September 25, 2017

Do you tear up singletrack trails, or put serious KMs on your road bike? Is it important that you shave off seconds on your trail or track time? Do you scrub your bike down after every ride, making sure you can see your ... Read more

Should I Insure my Golf Clubs and Golf Cart?

Wednesday, August 16, 2017

Storytime… Tomorrow’s office golf tournament came a little sooner than expected. I just got back from trying out a new driver at the range that I had purchased to replace the one that came with my club ... Read more

Trees, Lawns, Shrubs and Plants - Are They Covered?

Tuesday, July 04, 2017

When was the last time you thought about insurance coverage for that tree in your yard? Our guess: likely never. We see a lot of damaged greenery this time of year. We find that homeowners are unaware of the Home ... Read more