Wawanesa Insurance was established as a farmers' mutual insurance carrier in 1896 in Wawanesa, Manitoba under the laws of Canada and was subsequently incorporated by an Act of Parliament on May 1, 1929. Wawanesa underwrites full coverage Auto, Homeowners, and Condominium Insurance. Private Passenger Automobile and Physical Damage coverages are written at preferred-risk rates ranging from 25% to 35% below standard manual rates. All policies are issued with a 12-month term, produced by direct mail marketing and are non-assessable. Wawanesa Insurance offers Homeowners insurance coverage for preferred risk single family dwellings at below standard rates. In 1991, the Homeowners line was expanded to include Condominium coverage. Based on direct premiums written, the U.S. company ranks among the top twenty auto writers in California.