Residential

Howard Mutual is pleased to offer complete home owner packages that includes swimming pools, outdoor equipment, trees, plants and patios.
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Commercial

Broad offering of packaged commercial policies for offices, retail stores, contractors, home-based businesses and apartment building owners
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Agricultural

Complete farm packages for buildings, equipment, livestock, produce and comprehensive farm liability. We also offer some optional coverages such as loss of income
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Our Philosophy

Howard Mutual has been owned by its policy-holders since its inception in 1892. After paying claims, managing bills and running the company, if the company makes a profit underwriting, the policy-holders get a cheque. It is that simple.

Howard Mutual News

Howard Mutual makes the season merrier for kids in need

Howard Mutual Staff, Board of Directors and Corporation put $1,800 into the community It started ...[Read More...]