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.

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