Refund of Premium 2018

Posted on 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 financial and capital position as at the most recent fiscal year end. For the Board to declare a refund, numerous factors are considered, such as: - The Company’s overall financial position, and the financial performance during the past year. - The Required funding for future strategic plans - The Future ...



Are Insurance Rates Higher if Your Local Firehall is Volunteer?

Posted on Monday, January 22, 2018


featured image

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 firefighters being full-time or volunteer. Here are the three grades that Ayr Farmers Mutual uses to rate a building for fire protection: GRADE 1: a building is within 1000 feet of an operational hydrant AND within 8 kilometers of a responding firehall, either full-time or volunteer. GRADE 2: a building is within 16 ...



What Does No Fault Insurance Mean?

Posted on Tuesday, January 16, 2018


featured image

  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 case. No-fault insurance was introduced in Ontario in 1990. The purpose of this legislation was to expedite access to treatment for victims who were injured in an automobile accident. Before No-Fault Insurance, the insurance company of the at-fault party was responsible for payment of automobile claims. Unfortunately, ...



What to do after a Pipe Bursts

Posted on Wednesday, January 3, 2018


featured image

Water, water everywhere? That doesn’t sound good… An old rubber hose connected to the washing machine lets go. The pipe connecting to the exterior tap freezes due to poor insulation & bursts. The kitchen piping freezes up as the heat is turned off in the crawl space below. You would not believe how common these losses are! Did you know, burst pipes and water escape claims are one of our most common claims over the last 5 years? Freezing temperatures and aging pipes don’t pick favourites - it can happen to ...




Free March Break Skates & Swims

Thursday, March 7, 2019

Come join us for a FREE skate or swim in your town!  Read more

Ayr Digs Downtown Giveaway

Monday, July 16, 2018

DO YOU DIG DOWNTOWN AYR? We sure do... Enter the #AYRdigsDOWNTOWN Giveaway! We're giving away 4 gift certificates to some of our business partners that are affected by the road work in downtown Ayr! Keep up to ... Read more

Insurance for Buildings Under Construction or Renovation

Monday, April 9, 2018

The thought of building something new is exciting. You’ve saved for a long time to build your dream kitchen, to expand your home with an addition or to build a new barn, workshop or garage. Most people consider ... Read more