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Wayne Mutual Insurance has been providing world-class property and casualty insurance coverage to Ohio policyholders for nearly a century. From our beginnings as an assessment company providing coverage for farmowners, we have continued to expand our offerings to include homes, mobile homes, autos, commercial and umbrella programs. Working with our statewide network of more than 100 independent agents, we offer exceptional insurance coverage backed by prompt, fair claims service and support.

Homeowners Insurance

Wayne Mutual can tailor its homeowners insurance programs to provide ideal coverage for your home and possessions. We offer three competitively-priced programs for homeowners and mobile homeowners.  We can include boatowner and inland marine coverage as well.

Farmowners Insurance

Wayne Mutual was founded in 1910 to protect local farmers from possible losses.  Today we carry on this tradition of providing premier coverage to Ohio's farming community. We offer flexible programs with a host of options to meet the individual needs of farm owners.

Personal Auto Insurance

Wayne Mutual takes pride in providing outstanding coverage for excellent drivers. Our two competitively-priced personal auto programs have been designed to meet the coverage needs of today's drivers.

Commercial Insurance

Wayne Mutual offers commercial package or monoline property or liability programs for eligible classes of commercial business.  Our Artisan Contractor Program is specially designed for small to medium-sized contractors, landscapers and other artisans.  Our Commercial Auto Program has the flexibility to cover your business vehicles, whether owned, rented or borrowed.

We also offer commercial packages for rental dwellings.

Fire and Extended Coverage Insurance

From family and rental dwellings to farm property and structures, Wayne Mutual offers a range of fire and liability coverages to protect your investment in the event of a loss.

Umbrella Programs

Wayne Mutual's Umbrella Programs provide extended liability protection above and beyond the liability limits of your existing Wayne Mutual personal (home and auto), farm or commercial policies. We offer up to $5 million in additional protection against bodily injury, property losses, personal injury or advertising injury.

The coverages described above are presented in general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact your Wayne Mutual agent. If there is a conflict between this website and the policy, the policy provisions shall prevail.