Homeowners Insurance:


Germania Farm Mutual Insurance Association was formed over 100 years ago to meet the needs of farmers and rural communities. Rural customers are still a loyal part of Germania and we continue to expand our farm coverage to include innovations in the farming community.

We are proud of our heritage of Texans serving Texans.

As in the early days, we rely on our agents to seek new members that exhibit a strong pride in the ownership of their property. Property that meets our underwriting guidelines will be properly maintained and have a favorable loss history.

As a Farm Mutual, Germania is able to offer a policy unmatched in coverage for the rural Texan. In addition to providing coverage on the dwelling and its contents, our policy also covers many additional items that are on small farms and ranches.

Some of these additional items include:

  • Outbuildings
  • Farm Equipment
  • Hay and Field Products
  • Poultry Houses
  • Dairy Barns
  • Grain Bins
  • Mobile Homes

We don’t stop there! Germania serves the rural community by providing coverage for Churches and other Organizational properties too! See your local Germania agent for coverage for your Church, Parsonage or Organization's property.


Depending on the property covered, you may be eligible for one or more of Germania’s premium reducing discounts. These include our:

  • Companion Policy Discount – 15%
  • All Metal Roof Discount - 5%
  • Hail Resistant Roof Discount - Up to 7%
  • Claims Free – Up to 10%
  • Alarm Credits – 5%

Contact your local Germania agent to see if you qualify for these discounts and reduce your premium.

As a companion policy to your property coverage, Germania offers separate comprehensive personal liability and farm liability policies issued through Germania Insurance Company.