Our future is protecting you
Coverage that grows with your home, your farm, your family.
A policyholder-owned mutual serving western Wisconsin since 1871 — protecting the places you’ve worked a lifetime to build, through local independent agents you know.
Owned by you
As a mutual, our policyholders are the company. No shareholders — decisions are made for members, not profits.
Local independent agents
Nearly 200 hometown agencies across Wisconsin write and service your policy face-to-face — people who know your community.
150+ years of trust
Chartered in 1871 and strengthened by the merger of a dozen town mutuals, we’re here to pay claims when it matters most.
Online bill-pay
Pay your premium online — anytime, from anywhere.
Fast, secure payments through our trusted InvoiceCloud portal. No account required — just your policy number.
Home & Country Estate
Protection built around where you live.
From in-town homes to country estates, choose replacement-cost, market-value or actual-cash-value coverage — with new-home and claim-free discounts built in.
- Homeowner, renter & seasonal home
- Owner-occupied & rental dwellings
- Special & high-value property
Farm & Agriculture
Coverage that understands farm country.
Dwellings, outbuildings, equipment, livestock and liability — plus specialized endorsements written for the way Wisconsin farms really work.
- Farm buildings, equipment & harvested crops
- Livestock, lightning & ice/snow endorsements
- Farm, custom-farming & premises liability
Serving western Wisconsin
Rooted in the river regions we call home.
River Valley Mutual carries forward the legacy of a dozen local town mutuals — neighbors insuring neighbors across dozens of Wisconsin counties.
Now one, from many: West Central · Fountain City · River Falls · Trade Lake · Ashland County · Price County · Stockholm · Liberty Fire · Darlington · Henrietta-Greenwood-Union Mutual.
Insured through an agent you trust.
Find a local independent agent to build a policy that fits your home, farm or business.