Home, farm, automobile and commercial insurance all under one roof. Our company was established in 1893 out of a desire to provide the residents of Ayr and surrounding communities with protection from devastating loss caused by fire. We continue to grow over the years, but our principles remain true to the mutual tradition, rooted in the pioneer spirit. New lines of business have evolved and we have adapted to those changes without losing that link to the values of the past. It is our policyholders and their needs that drive our business. From here, for you.