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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.


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.


Howard Mutual is offering five $1,000 scholarships to students pursuing a full-time post-secondary education in Canada.

Learn more and how to apply.

Cheque presentation in front of christmas display at Salvation Army

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

Cheque presentation at Ridgetown location

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

Santa receiving cheque from Howard Mutual for Ridgetown Kiwanis

Ridgetown Kiwanis received a $500 donation from Howard Mutual.

Check presentation outside of Chatham-Kent hospital

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

Collage of cheques being donated to Royal Canadian Legion

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


Ridgetown Office 

Gary Houston

Gary Houston
Agent Since 1993

Rob Bednarowski

Rob Bednarowski
Agent Since 2012

Paul Spence

Paul Spence
Agent Since 2017

Tasha Shaw

Tasha Shaw
Agent Since 2018

Jeremy Derksen

Jeremy Derksen
Agent Since 2021

Blenheim Office 

Chris Hill

Chris Hill
Agent Since 2007

Dan Peltier

Dan Peltier
Agent Since 2014

Jonathan Derksen

Jonathan Derksen
Agent Since 2011

Scott Thompson

Scott Thompson
Agent Since 2018

Tara Fancy

Tara Fancy
Agent Since 2021

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

Interested in Becoming a Director?

Please send name, address and contact information to
For more information about becoming a director please see below:

be part of the


Ridgetown Customer Service Associate

We are currently looking to fill the role of Ridgetown Customer Service Associate. This position is best suited for an individual with excellent customer service skills, hands-on experience in a fast-paced office setting, and is looking for a career in a thriving and supportive workplace.

Learn more about the roll and how to apply (PDF)

Our Team in Action

 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
58 Talbot Street W.
Blenheim, Ontario
N0P 1A0
Office: 1-519-­676­-1042
Fax: 1-519­-676-­1045