Auto Insurance

Every driver needs auto insurance, but not every insurer provides the needed level of service. At Howard Mutual, personal service is what sets us apart. We pride ourselves on knowing our policyholders and their needs.

Private Passenger Vehicles

Whether you are retired, use your vehicle for commuting to work, drive for business purposes, or simply drive for recreational fun, Howard Mutual has the automobile insurance packages to meet your needs. Not only do we cover your car, SUV, or pickup we also offer insurance coverage for all types of recreational vehicles.

Recreational Coverage

At Howard Mutual, we recognize that life is not all work, sometimes you need to just get out and play. Even though you are playing, you still need appropriate insurance. We offer coverage for the following types of recreational vehicles:

  • Motorcycles     
  • Snowmobiles
  • ATVs
  • Motorhomes
  • Trailers 

Farm Vehicles

Howard Mutual has been insuring farm use vehicles for well over 40 years. If you have a farm use pickup, stake truck, or highway tractor, we can provide you with the coverage you need at affordable rates. 

Commercial Vehicles

Insuring small and mid-sized businesses in Southwestern Ontario has become a core part of what we do at Howard Mutual. Whether your business has light or heavy commercial vehicles, we have a solution to meet your needs.  

Small Business Programs

Howard Mutual’s insurance history is rooted in the communities we serve. These communities are not fueled by large corporations employing hundreds, but rather by small and mid-size businesses that employ a handful of workers. That is why we tailor our commercial auto insurance programs to meet the needs of small businesses.

Howard Mutual Fleet Insurance Program

Fleet insurance is for businesses that own and operate several commercial vehicles.

There are two distinct advantages to fleet insurance programs:

  • Premium: Fleet rated insurance policies typically offer a lower cost of insurance per vehicle than standard insurance programs. 
  • Accident consideration: For non-fleets, each accident to one of your vehicles, regardless of the amount of loss, changes the rating of that vehicle and increases the premium. On a fleet insurance policy, your policy becomes loss rated, meaning that the total annual loss payout on the policy is the primary factor impacting the premium. 

Our fleet insurance program is one of the most flexible in Ontario. Most fleet insurance programs require you to have at least five or ten commercial power units in order to receive the benefits of the program. The Howard Mutual program is much more flexible and allows us to offer your business the advantage of a large fleet rated program for your much smaller fleet.

Howard Mutual Garage Insurance

Our garage insurance program is tailored to meet the needs of small, local garage operators.

Garage insurance is a type of auto insurance policy designed to meet the needs of garage owners who have a unique and additional risk in terms of their legal liability for the care, custody, or control of customer automobiles. These unique risks are not covered under a standard automobile insurance policy. Anyone in the business of selling, repairing, servicing, detailing, storing, maintaining, towing, or parking others’ automobiles needs a garage insurance policy. Our program is designed for small businesses that are not in the primary business of selling cars.