Howard Mutual Insurance Company
Putting people first since 1892
Farm Insurance
Howard Mutual has been protecting farms in Chatham-Kent since 1892. We offer a level of knowledge and expertise about farm insurance that few other insurance companies can match. Whether you have a small or large farm, you can count on Howard Mutual for your insurance needs. We understand the community where you farm.
Custom Farm Insurance
- Livestock
- Cash crop
- Custom farming operations
- Hobby farms
- Agritainment farms – corn mazes, pumpkin patches, hay rides, etc.
Insurance for Every Size of Farm Operation
Farm operations can be small, family owned, or large, complex, commercial firms. For over 125 years we have been designing custom insurance packages for farming operations of all types and sizes.
Farm Auto Insurance
Whether you have a single farm vehicle or a fleet of vehicles, Howard Mutual can provide you with the competitive auto insurance you need. We offer fleet insurance solutions that are much more flexible than the rest of the insurance industry. If you move your own products, Howard Mutual has the insurance solution for you.
Coverage to Meet Your Needs
At Howard Mutual, we offer a full line of agricultural insurance coverage. Flexible coverage solutions for your buildings including:
- Replacement cost
- Farm machinery
- Livestock
- Loss of income
- Farm liability
- Limited pollution liability
- Farm accident coverage