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  • Protecting You

    Protecting You and What You Value Most.

    Ayr Farmers Mutual Insurance Company has been protecting our communities for over 130 years. 

    About Ayr Farmers Mutual Get a Quote

  • Policyholder Spotlight

    Policyholder Spotlights

    At Ayr Farmers Mutual, our Policyholders are at the heart of everything we do. Hear what our valued Policyholders have to say about working with our team.

    Read More Get a Quote

  • New Online Portal

    View Your Policy Online

    You can now view your policies, print pink slips, view billing schedule & more with our online portal!

    Sign Up Today Login To Portal

  • Policy Holder

    Here, You're More Than a Policy Number

    In 1893, Ayr Farmers Mutual Insurance Company was founded by community members, our original Policyholders, who needed coverage. To this day the core foundation of our business.

    The Ayr Mutual Team Contact an Agent

  • The Mutual Difference

    Discover The Ayr Farmers Mutual Difference

    Ayr Farmers Mutual Insurance Company was built by a community for the community, with the vision of providing protection through the reliable experience that only a Mutual company can provide.

    Our Difference Get a Quote

  • The Mutual Difference

    Community Events &
    Upcoming Tradeshows

    Learn about the upcoming community events and tradeshows Ayr Farmers Mutual is involved in or hosting.

    Learn More Get a Quote

Insurance For Home

Home & Property

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

Learn more

Insurance For Farms

Farm & Rural

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

Learn more

Insurance for Auto

Auto & Vehicle

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

Learn more

Insurance For Commercial

Commercial & Business

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

Learn more

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

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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

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  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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 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.
  • 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.
  • 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

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.

Job Posting: Marketing Coordinator (4-Month Contract/Summer)

Ayr Farmers Mutual Insurance Company is seeking a Marketing Coordinator contract to join our team. View the job posting to learn more and to apply.

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.

March 7, 2025: Annual General Meeting

Policyholders and Members are invited to AFM's Annual General Meeting, which is also a Special General Meeting.

(519) 632-7413 Contact