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Our Products - FarmOhio Mutual helped to pioneer protection for Ohio farmers more than a century ago, so we have a deep understanding of how to best meet the unique insurance needs of farmowners. Our farm insurance products can protect everything from the smallest family farm to large family corporations covering thousands of acres, and include protection against the modern nightmare of identity theft as well.

Ask your local Ohio Mutual agent to demonstrate how Ohio Mutual’s knowledge and experience can meet your farm insurance needs.

For those with special farms needs, our Town & Country program offers an a la carte approach to selecting the coverages you need.

Our farmowner products offer these features:

  • Replacement Cost on contents, dwelling, and outbuildings
  • Coverage for your jewelry, fine arts, guns and collectibles
  • Borrowed, rented, or leased farm equipment
  • Coverage on outbuildings
  • Protection from liability for sudden and accidental pollution
  • Milk contamination coverage
  • Equine risk, including boarding and training operations
  • No premium cost for your first 2 pleasure horses
  • Identity theft expense

Available optional coverages:

  • Water and sewer backup
  • No deductible coverage for glass breakage on covered farm equipment
  • Protection for intake of foreign objects for both self-propelled and towed equipment

We offer several discounts, such as:

  • Dwelling less than 20 years of age
  • Auto/Home combinations
  • Country Estate discount

Supplemental Policy Information:


Available from your independent
Ohio Mutual agent
in Indiana and Ohio.


Our farmowner products provide Identity Resolution Service as part of our Identity Theft Expense Coverage, to give you and your family FREE, unlimited access to a highly experienced fraud specialist.