As a Mutual Company, we are owned by our member policyholders and we only insure Texans! Natural disasters and other catastrophes that occur in other states do not affect our rates. You receive the small‐town personal attention you expect from friends and neighbors. Best of all, Texas Pioneer Farm Mutual is guided by you, the member policy holder!

Basic Coverage

Our Basic Policy provides Actual Cash Value protection for damage caused by Fire, Lightning, Wind, Hurricane, Hail, Aircraft, Vehicle, Collapse, Explosion, Riot, Civil Commotion, Smoke, Theft, Vandalism, Malicious Mischief, Sudden and Accidental Discharge of Water, Freezing, Falling Objects, and Accidental Glass Breakage, subject to policy provisions and any attached endorsements.

Enhanced Coverage

The Basic Policy can be endorsed to provide Replacement Cost protection and Open Perils Coverage.


Yes, we cover property in cities, small towns, and in the country ‐ far from city lights! We cover:

  • Dwellings ‐ Occupied by Owner, Tenant, or Family
  • Dwelling Contents for Owners and Renters
  • Weekend Properties
  • Farm & Ranch buildings and equipment
  • Churches and Parsonages
  • Community Buildings – Non Profit – Non Industrial
  • Builders’ Risk – Not for professional builders
  • Vacant Dwellings