Here 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 Derkson

Agent Since 2007

Chris Hill

Agent Since 2014​

Dan Peltier

Agent Since 2011​

Jonathan Derkson

Management and Staff  

Kim White
President and C.E.O.
Employee Since 2015  

Jodi Rich
Employee Since 2017

Terry Foran
Claims Manager
Employee Since 1986

Ruth Clark
Underwriting Manager
Employee Since 2016                

Tim Parker
Treasurer of the Corporation
Employee Since 1987

Janette Homes
Automobile Underwriter
Employee Since 1983

Edy Marlatt
Claims Assistant
Employee Since 1996

Jaimie Amerlinck
Auto Underwriter
Employee Since 2006

Lisa Collins
Accounting Assistant
Employee Since 2007

Kacy Warwick
Administration Assistant
Employee Since 2008

Jason Handsor
Claims Adjuster
Employee Since 2010

Erin Duquette
Executive Assistant /
Employee Since 2014

Amber Willick
Junior Underwriter 
Employee Since 2014

Julie Smolders
Receptionist /
Administrative Assistant
Employee Since 2011

Janet Gould
Business Development Manager
Employee Since 2016                 

Board of Directors  

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

Rob McKinlay                                                 Vice Chairman                                          Morpeth - Board Member Since 1991

Jim Clark                                                    Director                                                    Highgate - Board Member Since 2011

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

Chief Financial Officer Announcement

Kim White, President and Chief Executive Officer of Howard Mutual Insurance Company (HMI) is pleased to announce the appointment of Jodi Rich as Chief Financial Officer (CFO) effective Tuesday, May 2, 2017.

Ms. Rich has been working in the insurance industry for several years now acquiring extensive financial and leadership experience. She previously worked at Caradoc Delaware Mutual as President for four years, at North Kent Mutual as CFO for eight years and three years as auto underwriter. She also held a seat on the Mutual Concepts Computer Group (MCCG) board of directors.

Jodi has a CIP designation from the Insurance Institute of Canada. She has attained a certificate from the Canadian Insurance Accountants Association for completing the advanced level courses. She has also has an Accounting diploma from McMaster University.

Jodi’s extensive background and experience in the insurance field makes her a valuable asset to the HMI team and we look forward to working with her.

Jodi resides near Thamesville, living with her husband Bill and three Jack Russell Terriers she loves and enjoys walking. Bill and Jodi own their own farm and love to spend time with family, as well as vacation in warm destinations. Jodi is also a huge football fan and cheers for the Green Bay Packers any chance she can get.

HMI is a progressive, growth oriented property and casualty mutual insurer owned by its policyholders providing residential, farm, automobile and commercial products. The Ridgetown head office and Blenheim branch office are located in Southwestern Ontario between the cities of London and Windsor. There are 25 dedicated insurance professionals and sales agents who provide high quality services to company stakeholders.

Kim White,

President and Chief Executive Officer

Howard Mutual Insurance Company
Box 398, 20 Ebenezer Street West
Ridgetown, ON N0P 2C0  

Howard Mutual Insurance Company Financial Statements 2016
Click Here 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

New Job Posting Sept 19, 2017

Manager of Claims Services

Howard Mutual Insurance Company (HMI) is seeking an experienced Manager of Claims Services who reports directly to the President and Chief Executive Officer due to an upcoming retirement.

HMI is a progressive, growth oriented property and casualty Mutual insurer owned by its policyholders providing residential, farm, automobile and commercial products. The Ridgetown head office and Blenheim branch office are located in Southwestern Ontario between the cities of London and Windsor. There are 25 dedicated insurance professionals and sales agents who provide high quality services to company stakeholders. 

The successful person will be part of the Management Team responsible for company operations. They will direct and develop the Claims team, ensuring consistent delivery of claims services, and maintaining high service standards in compliance with both internal and regulatory requirements.

Candidates will have demonstrated exceptional leadership, negotiating and communication skills. They will be well-organized, decisive, and known for building strong relationships. They will be technologically proficient and be very familiar with products, vendors and third party solutions geared to claims administration. As an enthusiastic and forward thinker, they will challenge the status quo and develop a team atmosphere that strives for continuous improvement and a positive working environment.

Applicants must have significant insurance knowledge and claims management experience, and preferably be knowledgeable of the Farm Mutual insurance industry. Applicants should have 5 years of management experience, a CIP designation and appropriate education in a relevant discipline.

A written response explaining the hiring process and timing will be sent to all who apply. Those interested in this special opportunity with a competitive salary and benefits package can in confidence send a resume outlining their background and experience by October 14, 2017 to:

Manager of Claims Services Hiring Competition, c/o Harry T. Vlachos, H.R. Consultant

Vlachos Human Resource Services Inc.

P.O. Box 1056, Virgil, Ontario, Canada L0S 1T0

or by Email:

Howard Mutual Insurance Company is always looking for talented professionals 


  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

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