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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.
ABOUT HOWARD MUTUAL
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: 2020 Financial Statements (PDF)

We Support Our Community
We are the sum of our parts, we are comprised of the policyholders 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.

Chatham Salvation Army received a $7000 donation from Howard Mutual.

Ridgetown Salvation Army received a $7000 donation from Howard Mutual.

Ridgetown Kiwanis received a $500 donation from Howard Mutual.

Chatham-Kent Health Alliance received a $1000 donation from Howard Mutual for Music for the Mind.

Area Royal Canadian Legions received a donation for a total of $1500 from Howard Mutual.
OUR TEAM
Ridgetown Office

Tasha Shaw
Agent Since 2018
Blenheim Office
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
Director
Morpeth - Board Member Since 1991
Ken Scott
Director
Ridgetown - Board Member Since 2010
Darrin Spence
Director
Blenheim - Board Member Since 2009
Janet Nauta
Director
Blenheim - Board Member Since 2016
Heidi Wyma
Director
Kent Bridge - Board Member Since 2019
Petra Hathaway
Director
Melbourne - Board Member Since 2020
Interested in Becoming a Director?
Please send name, address and contact information to nominations@howardmutual.com.
For more information about becoming a director please see below:
be part of the
HOWARD MUTUAL TEAM
Available Positions
Business Development Manager
We are currently looking to fill the role of Business Development Manager. This position is well suited to an individual that has extensive insurance knowledge, hands-on experience and is looking for a career in a thriving and supportive workplace.
Agent
We are currently seeking energetic and highly motivated sales-oriented individuals to our dynamic team. This position is best suited for individuals that have excellent customer service skills, hands-on sales experience, demonstrated successful networking and is looking for a career in a thriving and supportive workplace.
Our Team in Action

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