What are some of the benefits of having your Home & Auto insurance with us?

Premium Savings

You may qualify for a 10% multi-line discount on your auto insurance premium.

One Deductible

Your home and auto insurance policies have separate deductibles that apply when you have a claim. When both policies are with Howard Mutual, you pay only one deductible when a loss occurs involving your home and car.

More Convenience

It only takes one phone call to ask questions or make changes to both your home and auto insurance. Two locations to better serve you.

Better Service

Your Agent has a better understanding of your insurance needs and can advise you on how a change could impact insurance coverage or rating on both policies 

Howard Mutual Has a 4.5 Star Rating.  
This is a combined Customer Satisfaction score of
91% as of June 30, 2017


" I have been with the company over 30 years.  The service in all respects (price, reputation, agent, etc.) is great.  The refund cheque is a bonus.  The company is trustworthy.  Keep up the great work.”

   Daniela Debiasi

    Chatham, ON

" I am definitely satisfied with the claims service I received from Howard Mutual."

   Mollie Cazzola

    Windsor, ON

" I wanted to say thank you so much for making the whole claim process easy and seamless for me. It's not something I wanted to do, but one phone call and your team took care of it.

Laliberte's did an awesome job, they booked the Lincoln on Monday morning and I picked the car up Thursday afternoon. Also, having a rental car was a plus so I could get to work without depending on others.

Just wanted you to know how much this was appreciated!”

   Deb & Terry Brown

    Chatham, ON

" My wife and I would like to give a big thank you to everyone that helped us with our claim and provided great service, Chris, Jay and everyone that works at Howard Mutual. Also, thank you to Pete at Winmar and Colin & Matt from Eriecon."

   Ed & Carol Huckle

    Bleheim, ON

" Now I can stop worrying about finding suitable insurance."

   Ann Kuharski

   Essex, ON

" My Thanks to you and the team that helped me through the accident this past year ."

   Mary O'Brien

  Blenheim, ON

" Thank you for making sure our family could enjoy a happy, healthy and relaxed life after our property loss. Many, many thanks for providing us with so much and for being the good neighbour you are. It is well appreciated."

   Wim & Rina Verkerk

    Chatham, ON

We Support Our Community

Howard Mutual Office- Ridgetown 

Howard Mutual Medical Centre 

We are the sum of our parts - comprised of the policy holders that are the collective owners of Howard Mutual. Together we form an effective and efficient organization with clear and like-minded goals; to spend wisely the investments of our stakeholders and to support and enrich the communities that we call home. 

​Vision Statement

Honouring our past while building our business and communities.

 Core Values

Howard Mutual Insurance Company's Mission and Vision for the future will be accomplished only by operating our company according to values that speak to our relationships we have with all our stakeholders including our policyholders, team members, community and our vendors 

​Mission Statement

We are a community focused company working together with our policyholders to provide insurance solutions and personal service.

Ridgetown Office 

Gary Houston

Agent Since 1993​


Greg Babula

Agent Since 2006


Rob Bednarowski

Agent Since 2012​


Paul Spence

Agent Since 2017


Blenheim Office 

Agent Since 1981​

John Derksen 


Agent Since 2007

Chris Hill


Agent Since 2014​

Dan Peltier


Agent Since 2011​

Jonathan Derksen


Management and Staff  

Jodi Rich
Interim President & C.E.O. / C.F.O.
Employee Since 2017


Ron Elviage
Business Development Manager
Employee Since 2018


Ruth Clark
Underwriting Manager
Employee Since 2016


Eric Parsons
Claims Manager
Employee Since 2018


Jessica Towsley
Underwriting Assistant
Employee Since 2017


Tim Parker
Employee Since 1987


Jaimie Amerlinck
Employee Since 2006


Lisa Collins
Accounting Assistant
Employee Since 2007


Kacy Warwick
Administrative Assistant
Employee Since 2008


Edy Marlatt
Claims ​Adjuster
Employee Since 1996


Erin Duquette
Human Resources
Administrative Assistant
Employee Since 2014


Amber Willick
Employee Since 2014


Julie Smolders
Administrative Assistant
Employee Since 2011


Janette Homes
Employee Since 1983


Terry Foran
Senior Claims Adjuster
Employee Since 1987


Board of Directors  

Dan McDonald
Chair of the Board
Muirkirk - Board Member Since 2005

Jim Clark
Vice Chair
Highgate - Board Member Since 2011

Rob McKinlay
Morpeth - Board Member Since 1991

Ken Scott                                                  Director                                                 Ridgetown - Board Member Since 2010

Ken McLarty                                                 Director                                                    Ridgetown - Board Member Since 2008

Gerry Sullivan                                                   Director                                                  Blenheim - Board Member Since 2009

Darrin Spence                                                Director                                                  Blenheim - Board Member Since 2009

Sheila Young                                                 Director                                                    Blenheim - Board Member Since 2014

Janet Nauta                                               Director                                                  Blenheim - Board Member Since 2016

The Ridgetown Lawn Bowling Club was established July 1, 1900 making it one of the oldest continuously active clubs in all of Canada.  Formed before the widespread advent of automobiles, golf, radio, television, computers, or even women’s suffrage, lawn bowling was a significant social and recreational activity, especially for rural agricultural communities such as Ridgetown at the time.  The Club has occupied its current location since 1904.  The Club has always been active hosting tournaments and events every season including several international competitions such as the 1926 UK touring team (we won).  Originally a men-only sport befitting the era, women quickly took advantage of the social and recreational opportunity lawn bowling presented and Ridgetown’s women members have won Provincial honours several times including very recently.  The Club has had many excellent bowlers over the years, both men and women, including Provincial champions as recently as 2008, 2010, and 2016.  Looking forward to more!  Most recently, Ridgetown won the 2017 District 1 Club of the Year award by garnering the most points by members finishing 1st through 5th in the season’s 45 District tournaments.

The Club is a non-profit, volunteer-only organization with members maintaining the club-house, grounds and greens.  Maintaining lawn bowling greens is quite technical and very demanding.  The bent-grass greens are cut three times a week to an exact height of 5/32’s inches.  Fertilized, watered, and de-thatched to pre-planned schedule, good greens are crucial to the success of the Ridgetown Club.  Our greens are highly regarded as evidenced by the approximately 430 players from across Southern Ontario who participate in our 12 annual tournaments.  Volunteers are the heart of the Club, but we rely heavily on local sponsors to make these tournament possible.  Without such strong support from local businesses and interests, we would not be able to present lawn bowling as a recreational and social opportunity for youth and adults in Ridgetown and district.  The Ridgetown Lawn Bowling Club is extremely grateful for the continuing support of our sponsors and works hard at expanding a mutually beneficial relationship.      

Howard Mutual Insurance Company Financial Statements 2016

Financial Statements 2017

Click either statement to download the .pdf of the entire report 

Howard Mutual Sponsored Events 

Howard Mutual Participated in the Heart and Stroke Big Bike Ride and Raised Over $1000.00

Howard Mutual Insurance Company is always looking for talented professionals.  We currently have opportunities for the for the following positions.   


Click on the job link above that interests you for the full details 

While we sincerely appreciate all cover letters and resumes, only those candidates 
selected for interview will be contacted.

Ridgetown Branch Office
20 Ebenezer St. W, Box 398
Ridgetown, Ontario
N0P 2C0
Office: 1-519-­674­-5434
Fax: 1-519­-674­-2029

Blenheim Branch Office
45 James St. Unit #5, Box 239
Blenheim, Ontario
N0P 1A0
Office: 1-519-­676­-1042
Fax: 1-519­-676-­1045


Howard Mutual's

Realtor Referral Program

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