Due to precautions around COVID-19 and the Health & Safety of our team members, policyholders and communities, Howard Mutual will be closing its doors to the public effective Wednesday, March 18, 2020.

Although we will not be available to our policyholders to provide service on a face-to face basis, our Agents, Claims, Underwriting and Administrative staff will put forth every effort to have business carry on. We ask for your patience during this time.

Read the full statement


March 30, 2020

Every day now, it feels like another part of our lives is impacted by COVID-19. As an essential service,Howard Mutual Insurance Company (Howard Mutual) is committed to ensuring that our policyholders continue to receive quality service, that our employees remain healthy, and that the recommendations of our health officials and government are adhered to.

Read the full statement



when you need us most

Annual General Meeting (AGM) 

The Annual General Meeting (AGM) which had been scheduled for March 20, 2020 and was cancelled due to the declared state of emergency, will now be held Monday September 28, 2020 to conduct the business set out in the Notice of the March 20, 2020 meeting.

The AGM will be held electronically, allowing all members who wish to attend the meeting and vote, to do so by establishing a communication link to the meeting.  To participate in the meeting electronically, you must pre-register before 5:00 p.m. on September 21, 2020 by e-mail to or by telephone at 519-674-5434 and you will be provided with communication details as to how to join the meeting.


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:   2019 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 $500 to the Chatham Salvation Army.

Chatham Kent Health Alliance receiving a $500 donation from Howard Mutual for Music For the Mind.

Howard Mutual proudly donated $1000 to to the Blenheim Ministerial Association.

Howard Mutual proudly donated $750 to the Chatham Goodfellows. 

Ridgetown Salvation Army receiving a $1000 donation from Howard Mutual.


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 

Chris Hill
Agent Since 2007

Dan Peltier
Agent Since 2014

Jonathan Derksen
Agent Since 2011

Scott Thompson
Agent Since 2018

Board of Directors  

Jim Clark
Chair of the Board
Highgate - Board Member Since 2011

Gerry Sullivan
Vice Chair
Blenheim - Board Member Since 2009

Dan McDonald
Past Chair
Muirkirk - Board Member Since 2005

Rob McKinlay
Morpeth - Board Member Since 1991

Ken Scott
Ridgetown - Board Member Since 2010

Darrin Spence
Blenheim - Board Member Since 2009

Janet Nauta
Blenheim - Board Member Since 2016

Heidi Wyma
Kent Bridge - Board Member Since 2019

Petra Hathaway
Melbourne - Board Member Since 2020

be part of the


Our Team in Action

The Howard Mutual family photo submission contest - Winners of the draw received an ice cream sundae kit to help beat the summer heat.

 gift isolation gowns to the Pediatrics mother baby labour delivery

Mutuals coming together to gift isolation gowns to the pediatrics mother-baby labour delivery and NICU units at Chatham-Kent Health Alliance.


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