Skip to Main Content

Our Company

Ayr Farmers Mutual Insurance Company Protects Homes, Farms, Businesses and Vehicles in Ayr, Ontario

Ayr Farmers Mutual Insurance Company provides affordable insurance for Homes, Farms, Businesses, and Vehicles in Ayr, Ontario, and the surrounding area.

Insurance Made Mutual

There's a difference between Mutual insurance companies and "other" insurance companies. As an Ontario Mutual, we believe in being there for our neighbours and lending a hand when it matters most. We believe in building better and stronger communities. We believe that our small company can provide better service.

When you have insurance with Ayr Farmers Mutual, you are part of the Mutual difference. You are a part of putting people over profit. The focus is always on you, the Policyholder. You're not a customer, you're a member and an owner - you're part of something great! We invest in local sports teams, events, community projects, and other initiatives. We work together. We take pride in what we do. We believe in honouring the past and knowing where we came from. Our roots run deep.

Discover the Mutual Difference today

TK1034 | SmarterWebsite

  • 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

Our Mission

We build lifelong relationships and create personal experiences to protect and care for our people, policyholders and communities.

Our Vision

Through our care, be the insurance relationship of choice in our communities.

Our Core Values

Ayr Farmers Mutual Insurance Company was built over 125 years ago by a community in need, and as a result the foundation they created has stood the test of time by relying on essential core values that we exemplify in all we do.


  • We value all our people; policyholders, directors, employees, agents, brokers, and all our business partners. They are the strength of our organization.
  • We value the respect we have for each other.
  • We value fair and flexible business and employment practices.
  • We value social interaction with all our people.


  • We value the concept of “all under one roof”.
  • We value working together for common goals.


  • We value integrity in all our business dealings.
  • We value accountability as an organization and individually.
  • We value our strong historic roots in our industry and community.
  • We value consistency in our approach to decisions.


  • We value being self-motivated.
  • We value positive energy.


  • We value open communications.
  • We value listening to others.
  • We value sharing our knowledge and continuing education.


  • We value the importance of long-term financial stability.
  • We value the sound management of the assets of the organization.
  • We value being community-minded.
  • We value being environmentally conscious.

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

(519) 632-7413 Contact