Farmers Mutual Insurance Association of Erath County

What Farmers Mutual Insurance Association of Erath County does

Farmers Mutual Insurance Association of Erath County is a Texas-domiciled mutual insurance association founded in 1924 and headquartered in Bluff Dale, TX. The company provides property and liability insurance products to individual and small-business policyholders across six rural North/Central Texas counties: Erath, Eastland, Comanche, Palo Pinto, Hood, and Hamilton. Its flagship offering is an Actual Cash Value (ACV) Policy covering dwellings, rental properties, and mobile homes against fire, wind, hail, and lightning damage, with a low $1,250 deductible and discounts for policies over $250,000. A general liability product and a $100 referral incentive for existing policyholders round out the commercial terms.

The company runs a traditional insurance operating model: a phone-based direct sales channel, in-person service, a website for free quotes and information, and a self-service online payment portal hosted through icheckgateway.com. Underlying technology is a policy management and claims processing system supporting 24-hour claims review; no proprietary AI, data, or platform capabilities are disclosed. The company is affiliated with RVOS/Priority One Insurance and holds memberships in the National Association of Mutual Insurance Companies and the Texas Association of Mutual Insurance Company.

As a mutual insurance company, ownership rests with policyholders rather than external shareholders; no parent company, institutional investors, or funding events are disclosed. Pricing is quote-based and not publicly disclosed, with annual billing as the standard cadence. The operating base is a single headquarters in Bluff Dale, TX, serving a defined rural perimeter, and the company has operated continuously for over 100 years with no disclosed acquisitions, divestitures, leadership changes, or geographic expansions beyond the six-county footprint.

Name

Farmers Mutual Insurance Association of Erath County

Legal name

Farmers Mutual Insurance Association of Erath County

Website

https://farmersmutualerath.net

Company type

Private

Founded year

1924

Operating status

Operating

Headcount range

1–10 employees

Short description

Farmers Mutual Insurance Association of Erath County is a Texas-domiciled mutual insurance association founded in 1924, headquartered in Bluff Dale, TX. It provides Actual Cash Value property and liability insurance to rural homeowners, rental property owners, and mobile home owners across six Texas counties.

Ownership category

akta.pro rank

Product category

Property & Casualty Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

Keywords

• Property insurance
• Mutual insurance company
• Liability insurance
• Actual cash value
• Rural insurance coverage

Headquarters

HQ city

Bluff Dale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Insurance Premiums: Recurring premium payments from property and liability insurance policies. Policyholders pay annual or monthly premiums in exchange for coverage against fire, wind, hail, and lightning damage.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Farmers Mutual Insurance Association of Erath County is a local mutual insurance company that sells Actual Cash Value (ACV) property insurance policies and liability insurance to property owners in rural Texas counties. Coverage protects dwellings, rental properties, and mobile homes against fire, wind, hail, and lightning damage, with a low $1,250 deductible and discounts available for policies over $250,000. The company also provides a 24-hour claims review service and an online payment portal for policyholders.

Product overview

Farmers Mutual Insurance Association of Erath County is a traditional insurance company offering property and liability insurance products. The company provides Actual Cash Value (ACV) Policies covering dwellings (rental properties, mobile homes, and customers' homes) against fire and weather-related damage (wind, hail, lightning), along with general liability insurance policies. The ACV Policy is the primary product offering, featuring a low deductible of $1,250 and discounts for policies exceeding $250,000. The company is affiliated with RVOS/Priority One Insurance and accepts online payments through its payment portal.

Differentiator

Problem solved

Functional benefit

Products and services

• Actual Cash Value (ACV) Policy Property insurance policy covering dwellings including rental properties, mobile homes, and homeowners' homes against damage caused by fire, wind, hail, and lightning. Features a low $1,250 deductible and discounts for policies over $250,000. Designed for rural Texas property owners in Erath, Eastland, Comanche, Palo Pinto, Hood, and Hamilton counties.
• Liability Insurance Policies Liability insurance policies providing coverage for policyholders in the Bluff Dale, TX area and surrounding Texas counties, complementing the property insurance offerings.

Quantifiable outcome

• 24-hour claims review

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor.

• National Association of Mutual Insurance CompaniesminorOthersIndustry association membership providing industry standards, networking, and advocacy for mutual insurance companies.
• Texas Association of Mutual Insurance CompanyminorOthersState-level industry association membership for mutual insurance companies operating in Texas, providing advocacy and industry support.
• RVOS/Priority One InsuranceminorOthersBrand/partnership relationship with RVOS/Priority One Insurance, a larger insurance organization that Farmers Mutual Insurance Association of Erath County is affiliated with.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• State Farm: Largest U.S. personal lines insurer, including homeowners coverage in rural Texas. Comparable as a major national carrier competing for the same rural homeowner and rental property customers with broader scale and digital capabilities.
• Nationwide: National mutual insurer with deep farm-and-rural roots and broad personal lines offering. Comparable as an incumbent mutual with significant rural Texas reach and stronger digital tools.
• USAA: Member-owned insurer serving military families with strong Texas concentration. Comparable mutual-like structure and Texas homeowner book, though a fundamentally different customer eligibility model.
• Erie Insurance: Large mutual insurer operating across the eastern and central U.S. through exclusive agents. Comparable mutual model and personal-lines orientation, though broader geographic and product footprint.

Direct peers

• Auto-Owners Insurance: Mutual insurance carrier selling personal and commercial lines exclusively through independent agents. Comparable as a mutual insurer with a property-heavy book sold via local distribution.
• Texas Farm Bureau Insurance: Texas mutual insurance organization offering property and casualty coverage to rural and agricultural households across the state. Directly comparable as another Texas-rooted mutual targeting farm and rural property owners with multi-line coverage.
• Germania Insurance: Texas-based mutual insurer writing homeowners, auto, and farm-and-ranch policies through local agents. Comparable as a regional mutual with similar rural Texas customer base and multi-line product strategy.
• Shelter Insurance: Mutual insurance company offering auto, home, and life coverage with a strong presence in the South and Midwest through local agents. Comparable as a regional mutual competing for the same rural homeowner segment.
• Farm Bureau Insurance: Mutual-style insurance provider operating across multiple U.S. states with strong rural and agricultural customer orientation. Comparable in mutual structure, rural target market, and property-focused product mix.

Regional players

• RVOS/Priority One Insurance: Regional farm mutual organization with which Farmers Mutual Erath maintains a brand affiliation. Comparable as a parent-affiliated rural mutual providing back-office services and reinsurance relationships to smaller Texas county mutuals.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/farmers-mutual-insurance-association-of-erath-county-texas

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Farmers Mutual Insurance Association of Erath County