when you need us most

Renovation Notice - Ridgetown Location

 This notification is to make you aware that we will be undergoing a renovation project at our Ridgetown location. During this time, accessibility and business operations will continue as normal. 

Construction Disruption Timeline: February 10 to March 6, 2020 

Read More (PDF)


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.


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

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.

Download:   2018 Financial Statements

We Support Our Community

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. 

Howard Mutual proudly donated $50,000 to the Four Counties Hospital Endoscopy Campaign 

We all worked together and raised over $2,500 for the 2018 Big Bike Campaign

Howard Mutual is a proud sponsor of the annual Ridgetown Lawn Bowling Tournament

Helping our friends at Pet and Wildlife Rescue with their big move


Ridgetown Office 

Gary Houston
Agent Since  1993

Greg Babula
Agent Since 2006

Rob Bednarowski
Agent Since 2012

Paul Spence
Agent Since 2017

Tasha Shaw
Agent Since 2018

Blenheim Office 

John Derksen
Agent Since 1981

Chris Hill
Agent Since 2007

​Dan Peltier
Agent Since 2014

Jonathan Derksen
Agent Since 2011

Scott Thompson
Agent Since 2018

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
Ridgetown - Board Member Since 2010

Ken McLarty
Ridgetown - Board Member Since 2008

Gerry Sullivan
Blenheim - Board Member Since 2009

Darrin Spence
Blenheim - Board Member Since 2009

Janet Nauta
Blenheim - Board Member Since 2016

Heidi Wyma
Board Member Since 2019

be part of the



Are you community-minded and enthusiastic with an interest in learning about the mutual insurance industry? 

Howard Mutual Insurance is a community focused company working together with our policy holders to provide insurance solutions and personal service.  The Board of Directors is comprised of people dedicated to the success of Howard Mutual by providing financial oversight and strategic direction to the company.

Howard Mutual is currently accepting letters of interest from people wanting to be considered for future director vacancies. 

Experience or knowledge in one or more of the following areas would be an asset:

  • Financial literacy
  • Strategic planning
  • Corporate governance
  • Communications and public relations
  • Government relations

To qualify to be a director, you must be a Howard Mutual policyholder, must not have turned 65 prior to being elected, and be willing to serve for a 3-year term.  Board members are expected to attend monthly board meetings and participate in one or more committees.

If you are interested in being a director, please submit a letter outlining your qualifications before September 30 to:

Howard Mutual Insurance
Attn: Nominating Committee
20 Ebenezer St W
Ridgetown ON  N0P 2C0

or by email to:



Our Underwriting Department is growing, don’t miss this opportunity to join our team. This is a full time position in our Underwriting Department. The successful candidate will demonstrate strong subject matter expertise in personal lines underwriting, auto and property, including farm underwriting and risk management; commercial experience would be an asset. Working in a team environment, the applicant will accept business submissions, change requests and policy renewals according to pre-determined criteria; in a timely manner. 

Read the full job posting (PDF)

Our Team in Action

Team Howard took home third prize at the Farm Mutual Re’s annual Baseball Tournament

Howard Mutual was happy to take part in the 2018 International Plowing Match

The Howard Mutual fire truck can be spotted at many community events

For 32 Consecutive Years, the team at Howard has banded together to get our annual refund cheques out to our policyholders.


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