About Howard Mutual

Howard Mutual was founded back in 1892 when local farmers in Howard Township decided to work together to protect and insure their barns and livestock. They saw the value of not only sharing to protect each other’s assets but the advantage of being an owner of their own insurance company. We have evolved since those days, into a modern insurer offering a full range of insurance products, while always remaining true to our roots and owned by our policyholders.

Today, we are your trusted local source for home, auto, business, and farm insurance solutions. We work hard to live up to your trust every day, because we live here too. Our reputation has been earned, one policyholder at a time. We are committed to protecting our policyholders and their futures by maintaining growth – in number of policies and new products, technology, and knowledgeable employees. This, combined with our financial stability, allows Howard Mutual customers to know they can trust us to continue to protect them for generations to come.

Community is the heart of Howard Mutual. The communities we serve strengthen us and we work hard to strengthen them. We participate in local events, volunteer, and give to a wide range of community initiatives. Howard Mutual takes pride in making a difference in the communities we serve.

Personal Service, every time. That’s the Howard Mutual Promise. We are committed to exceptional customer service, every time. We promptly respond to your needs – in person at your kitchen table, by email, on the phone, or by text. We make house calls and one of our trusted team members will always answer the phone. Your claim starts the moment you call our 24 hour line and reach a member of our claims team. At Howard Mutual, all of our clients have dedicated agents who know them by name. We measure our success through our high customer retention rate – over 95 percent. That’s the Howard Mutual commitment to our customers.