The RVOS Farm Mutual Insurance Company operates under Chapter 911 of the Texas Insurance Code. Our focus is to provide insurance products to home owners, farmers and ranchers in Texas. Being a Farm Mutual gives us a unique ability to adapt quickly to new circumstances, allowing us to offer a variety of insurance products that can meet various needs and budgets. Another thing that makes us different from other insurance companies is that we are owned by our policyholders. This allows us to focus on providing the best products and services to meet the ever-changing needs of our members rather than turning a profit for an out-of-state parent corporation. Our profits, on the other hand, are held in surplus to pay future claims & offset future premium increases.