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
90.7% as of February 15, 2017

CUSTOMER SATISFACTION

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 
Blenheim, ON

 I decided to transfer my Home and Auto insurance to Howard Mutual as Chris Hill took the time to meet with me in person and review my coverage needs.

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 Anderson 

​Agent Since 1981

ganderson@howardmutual.com

Gary Houston

Agent Since 1993​

ghouston@howardmutual.com

Greg Babula

Agent Since 2006

gbabula@howardmutual.com

Rob Bednarowski

Agent Since 2012​

rbednarowski@howardmutual.com

Blenheim Office 

Agent Since 1981​

John Derkson 

jderksen@howardmutual.com

Agent Since 2007

Chris Hill

chill@howardmutual.com

Agent Since 2014​

Dan Peltier

dpeltier@howardmutual.com

Agent Since 2011​

Jonathan Derkson

jonderksen@howardmutual.com

Management and Staff  

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

kwhite@howardmutual.com  

Jodi Rich
C.F.O
Employee Since 2017

jrich@howardmutual.com

Terry Foran
Claims Manager
Employee Since 1986

tforan@howardmutual.com

Ruth Clark
Underwriting Manager
Employee Since 2016

rclark@howardmutual.com                

Tim Parker
Treasurer of the Corporation
Employee Since 1987

tparker@howardmutual.com

Janette Homes
Automobile Underwriter
Employee Since 1983

jholmes@howardmutual.com

Edy Marlatt
Claims Assistant
Employee Since 1996

emarlatt@howardmutual.com

Jaimie Amerlinck
Auto Underwriter
Employee Since 2006

jamerlinck@howardmutual.com

Lisa Collins
Accounting Assistant
Employee Since 2007

lcollins@howardmutual.com

Kacy Warwick
Administration Assistant
Employee Since 2008

kwarwick@howardmutual.com

Jason Handsor
Claims Adjuster
Employee Since 2010

jhandsor@howardmutual.com

Erin Duquette
Executive Assistant /
HumanResources
Employee Since 2014

eduquette@howardmutual.com

Amber Willick
Junior Underwriter 
Assistant
Employee Since 2014

awillick@howardmutual.com

Julie Smolders
Receptionist /
Administrative Assistant
Employee Since 2011

jsmolders@howardmutual.com

Janet Gould
Business Development Manager
Employee Since 2016

jgould@howardmutual.com                 

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

www.howardmutual.com


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


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Howard Mutual Insurance Company is always looking for talented professionals 

Please send your resume and cover letter to: kwhite@howardmutual.com

 
 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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