A mutual company, since a barn fire in 1928

Our history

1. 1928
   Forty-one farmers, one fund

   After a lightning fire took the Hauser barn outside Delaware, Ohio, neighbors pooled money to cover each other’s barns. They called it the Midwest Farmers’ Mutual Aid Association.

2. 1949
   Into Indiana and onto the road

   We wrote our first auto policies as farm families bought their first trucks, and opened our first office outside Ohio.

3. 1974
   Homes in town

   Members’ children moved to cities, so we followed with homeowners and renters coverage across six states.

4. 1993
   The Great Flood

   When the Mississippi and Missouri flooded, we paid every member claim within 60 days and started helping members buy flood coverage.

5. 2012
   New name, same deal

   We became Midwest Secure and grew to 14 states, adding boats, pets, travel and small business coverage.

6. 2023
   A summer of derechos and hail

   Three storms brought 38,000 claims in six weeks. We sent 400 adjusters to Iowa and Illinois and skipped that year’s dividend to keep rates steady.

7. 2026
   Still member-owned

   We returned $41.6 million to members last year and still answer claims calls with our own staff, every hour of every day.

How a mutual works

Every policyholder is a member with a vote. Members elect our board each spring. When premiums collected are more than claims and costs, the board can return the surplus as a dividend, credited at each member’s next renewal.

Dividends are not guaranteed and are declared each year by the board of directors.