Ohio Farmowners Insurance, Built for the Working Farm.

The working farm is a home and a livelihood, and it carries risks a standard homeowners policy was never built to cover. 1859 Mutual's Farmowners insurance protects the Ohio farm, the farmhouse, the outbuildings, and the property that keeps it running, placed through your local independent agent. Because we're a mutual, we answer to our policyholders, not to shareholders.

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Ohio Farmowners Insurance, Built for the Working Farm.

farmowners coverage

What Does Our Farmowners Insurance Cover?

1859 Mutual's Farmowners insurance is built for Ohio farms, placed through your local independent agent. Coverage typically includes:

Farm Dwelling

Protects the farmhouse and its attached structures against covered perils such as fire, storm, or vandalism.†

Barns and Outbuildings

Covers barns, machine sheds, and other farm outbuildings that a standard homeowners policy leaves out.†

Farm Property and Equipment

Protects farm machinery, equipment, and the property that keeps the operation running.†

Farm Liability

Covers liability that arises from the working farm, including legal defense and covered settlements.†

†Policy Terms and Conditions apply

An Ohio family farm with red barn and silo insured by 1859 Mutual Farmowners insurance

What we offer

Why Ohio Farm Owners Choose 1859 Mutual

1859 Mutual has protected Ohio families and the farms they work since 1859. As a mutual, our policyholders come first, not shareholders. We're Demotech "A, Exceptional" rated, and we work only through local independent agents who know farm country in your community.

Built for the Working Farm

1859 Mutual writes the farmhouse, the outbuildings, and the operation under one policy built for how an Ohio farm actually works.

A Genuine Appetite for the Hard-to-Place

We have a real appetite for hard-to-place farm and dwelling risks that fit our underwriting discipline, appetite and discipline always together.

Strength Behind Every Policy

A Demotech "A, Exceptional" Financial Stability Rating stands behind the coverage, so the promise on every farm policy is one we are built to keep.

Frequently Asked Questions

What does Farmowners insurance cover in Ohio?

Farmowners insurance covers the farm dwelling, outbuildings such as barns and machine sheds, farm personal property and equipment, and the liability of a working farm, under one policy. 1859 Mutual writes Farmowners coverage for Ohio farms through appointed independent agents.

How is Farmowners insurance different from homeowners insurance?

A homeowners policy covers a residence and its contents. Farmowners insurance adds the structures and property a farm depends on, from barns and outbuildings to equipment, along with farm liability, so the home and the operation are both protected.

Does 1859 Mutual write hard-to-place farm risks?

1859 Mutual has a genuine appetite for hard-to-place farm and dwelling risks that fit our underwriting discipline. Coverage is placed through a local independent agent.

Find a Local 1859 Mutual Agent

Ohio Farmowners insurance from 1859 Mutual is placed through local independent agents. Find an agent near you to protect your farm, your home, and your livelihood.

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