About Us
Northwest Farmers Mutual Insurance Company is a mutual insurance company that provides property and liability coverage through a variety of products.
Northwest Farmers Mutual Insurance company strives to provide stability and peace of mind to our policyholders through dependable coverage and excellence in our customer service.
Who We Are
Northwest Farmers Mutual Insurance Company is a statewide limited assessable mutual insurance company providing property and liability coverage through standard fire, homeowners, farmowners, and mobile homeowners policies. Serving the northwest area of the North Carolina Piedmont since 1895, Northwest Farmers Mutual Insurance Company strives to provide stability and peace of mind to our policyholders through dependable coverage and excellence in our customer service. As a mutual company, we are owned by our policyholders, freeing us from the obligation of providing profitable returns to external shareholders. With this relationship, we can make every effort to provide affordable coverage to our policyholders while still maintaining a strong financial position for the benefit of our policyholders and our future.
Company History
Northwest Farmers Mutual Insurance Company had its beginnings in The Farmers Mutual Fire Insurance Association of North Carolina, established in 1895 to serve the Forsyth and Stokes County areas. The Association provided insurance protection against the perils of fire, lightning, and other covered risks, including damage from water and the weight of ice, sleet, and snow on dwellings and farm buildings.
As the Association grew and insurance needs evolved, its branches began offering homeowners, farmowners, mobile homeowners, and church protector policies through a partnership with another insurance company. These policies, known as “dual-masthead” policies because they carried the names of two companies on each policy, provided enhanced protection by adding coverage such as theft and personal liability.
In March 1992, the North Carolina Department of Insurance initiated a restructuring effort to bring this group of insurance companies under the same regulatory framework as other insurers operating in the state. As a result, each branch was required to be incorporated as an independent company. In 1994, the Forsyth-Stokes Branch became Northwest Farmers Mutual Insurance Company and was authorized to provide insurance coverage throughout the six contiguous counties of Forsyth, Stokes, Surry, Yadkin, Davidson, and Rockingham.
Due to our continued growth and financial strength, effective January 1, 2017, Northwest Farmers became a statewide limited assessable mutual insurance company following approval by the North Carolina Department of Insurance in September 2016. This transition enabled the Company to better serve policyholders across North Carolina by offering comprehensive property and liability coverage without the need for a dual-masthead relationship, while further strengthening the mutual ownership structure of the Company.
Today, Northwest Farmers Mutual Insurance Company builds on more than 130 years of trusted service with an A’ Exceptional rating from Demotech, reflecting our financial strength, stability, and prudent management. As a mutual insurance company owned by our policyholders, we remain committed to protecting the people and communities we serve by providing affordable coverage, financial security, peace of mind, and the exceptional customer service that has defined Northwest Farmers since 1895.
