Loudoun Mutual Insurance


Why You Should Choose Loudoun Mutual Insurance Company

Loudoun Mutual Insurance Company is rated A- (Excellent) by AM Best, the premier insurance rating organization. A.M. Best ratings are issued on over 3,500 companies in more than 80 countries worldwide. Best’s Credit Ratings are recognized as a benchmark for assessing a rated organization’s financial strength as well as the credit quality of its obligations.


Farmowners Coverage Brochure
Identity Recovery Coverage Brochure

Loudoun Mutual has been insuring Virginians since 1849 and is the second largest writer of farm insurance in Virginia. Typical farm operations insured by us include:

  • “Estate” Farms
  • Beef Cattle
  • Fruit and Vegetables (coverage can be added to include farmers’ markets)
  • Dairy
  • Llama/Alpaca
  • Crop/Hay
  • Trees/Orchards (including pick-your-own operations)
  • Farms Rented to Others
  • Poultry

We also have programs specifically designed for:

  • Wineries/Vineyards
  • Equine Operations

Your farm is probably your family’s largest investment. To protect your family, the Loudoun Mutual standard Farmowner Policy provides broader coverage than the industry’s standard farmowner policy. Some of the Loudoun Mutual differences include:

  • Liability coverage is extended to cover operation of unlicensed farm trucks (up to 35,000 lbs) while being used for farming purposes
  • Coverage can be endorsed for rental dwellings on or off the farm premises and includes coverage for other structures associated with the rental dwelling as well as loss of rental income
  • Liability and medical payments coverage can be endorsed to cover injuries to farm employees
  • Coverage can be provided on individual farm animals or the entire herd. Optional coverage for animals includes injuries caused by: electrocution, drowning, accidental shooting, attacks by wild dogs or other animals, collision, and loading or unloading from vehicles
  • Coverage for qualified farm buildings may be written on a replacement cost basis and collapse coverage is also available
  • Other Standard Additional Coverages included at no charge ($500 Food Spoilage coverage and Sinkhole Collapse coverage)


Farm Guardian Coverage

To provide broader coverage to our policyholders, Loudoun Mutual offers the Farm Guardian endorsement. The Farm Guardian program coverages include:

  • Personal Property Replacement Cost Coverage at 75% of your dwelling limit
  • Sewer Back-Up Coverage up to the insured limit of the house
  • Extra Mortgage Expense Coverage
  • Expanded Computer Coverage
  • Personal Injury
  • Rented or Borrowed Equipment – $50,000
  • Farm Earnings & Extra Expense – $50,000 coverage
  • Unscheduled Farm Personal Property – $5,000 coverage
  • Well Pumps – $10,000
  • Fencing/Corrals – $25,000


Farm MasterGuard Program

For select homes and estates, Loudoun Mutual offers the Farm MasterGuard Program. This program uses a Form 5 policy contract which offers the broadest coverage of any insurance policy readily available. MasterGuard includes all of the Guardian coverages plus:

  • Expanded Replacement Cost Coverage is provided at 130% of your dwelling limit in the event there is not enough coverage to rebuild your home after a major loss
  • Personal Property Replacement Cost Coverage at 75% of the dwelling limit
  • Tree Removal Coverage is provided up to $1,000
  • $500 in Lock Replacement Coverage
  • Coverage is provided for loss by earthquake
  • The limit for loss by Credit Card, Forgery, etc. is increased to $5,000
  • Sewer Back-Up Coverage provided for up to the dwelling limit
  • Coverage for loss of guns or jewelry caused by theft is expanded to $5,000 ($2,500 per item)
  • Personal Injury Coverage
  • Policies are written with a minimum of $500,000 in liability coverage and a minimum property deductible of $1,000


Additional Farm Coverages Offered By Loudoun Mutual

  • Farm Properties Program for farms which do not include an owner-occupied residence
  • Farms Owned By Corporations, LLCs, Partnerships or Multiple Families
  • Farm Umbrella Liability Coverage up to $5,000,000
  • Identity Recovery Coverage for Farmowners

Overview of Identity Recovery Coverage for Farmowners
Identity Recovery Claim Scenarios for Farmowners
Identity Recovery FAQs


There is a Loudoun Mutual agent in your area ready to help you become a policyholder; contact one today!

This summary is intended for informational purposes only and does not modify or invalidate any of the provisions, exclusions, terms or conditions of the policy and endorsements. For specific terms and conditions, please refer to the coverage form.