Wyandot Mutual Insurance Co. is the premier Assessment Mutual Insurance Company in Ohio, specializing in Standard Fire, Homeowner, and Farmowner Policies. Our common sense approach to underwriting allows our policies to be customized to meet the needs of our insureds.
Wyandot Mutual Insurance Co. offers the advantages of a large insurance company with the feel of a hometown business. We are represented by independent agencies throughout Ohio. Review our Agency Map to locate an agent near you.
The home office has been located in Wyandot County since the company's inception in 1874. Formerly known as Farmers Mutual Relief Association we continue to change as the needs of our members have changed over the years. We serve more than the farming community! We can insure your home, mobile home, or rental properties.
The Homeowner policy is a package policy designed for the well-maintained, owner occupied home. It is also written on a broad form policy and likewise can be endorsed to a special form provided underwriting criteria are satisfied. We require 80% insurance to value minimum, unless written on an ACV basis. We also offer a tenants policy for the tenant who has a need to protect personal property. A wide variety of endorsements are available to meet the needs of most homeowners’ risk management goals.
The Farmowner policy is a package policy designed for the well-maintained, owner occupied farm. It can be endorsed to cover the majority of risks facing the typical grain/livestock farmer in Ohio. We offer a broad form policy which can be endorsed to a special form if underwriting criteria are met. We require 80% insurance to value minimum, unless written on an ACV basis. We likewise offer a tenants policy for the tenant farmer who has a need to protect personal property, farm personal property, and farm personal liability. We also offer a Country Estate discount to accommodate those persons who own a home with farm structures and perhaps a few acres but their principle occupation is not farming.
Our Standard Fire policy is our most versatile policy. It can be written for both owner occupied and tenant occupied dwellings, farms, or mobile homes. We can write farm buildings with or without a dwelling on the policy. We can add a number of endorsements to meet the needs/requirements of the insured’s protection goals. Personal Liability, Farm Personal Liability, General Liability, and Farm General Liability are all available with this policy depending on the needs of the insured. This policy is written on an ACV basis and serves the purpose of protecting the insured from loss without creating moral hazard in those circumstances where market value and replacement cost cannot be easily reconciled.