At RVOS Farm Mutual Insurance Company, we're proud to say we are not your run-of-the-mill insurance company. RVOS was started over 100 years ago with the goal of providing peace of mind to Texas farmers and ranchers. It all started when a small group of local farmers pooled their resources to start a basic fire insurance protection program. They saw the great wisdom in sharing the burdens that so often accompanied the tragedies so common in that day and age. Since our founding, the RVOS Farm Mutual Insurance Company has grown from a single company offering a basic fire insurance policy to a group of companies uniquely positioned to expediently address our ever-changing market conditions. The companies offer innovative and competitively priced insurance products to meet the needs of property owners across the state. Today, RVOS continues to provide peace of mind to home owners, farmers and ranchers across the state. We have over 60,000 members relying on us to be there for them when they need us most. We are a rock solid company with over $13 billion of insurance in force. See our capital adequacy and financial stability ratings online at www.ambest.com and www.demotech.com. In over a century of insuring Texans we have never strayed from our founder's vision of providing security and peace of mind to our policyholders who are in fact our owners.