Here 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 

Howard Mutual Has a 4.5 Star Rating.  
This is a combined Customer Satisfaction score of
90.7% as of February 15, 2017


I wanted to say thank you so much for making the whole claim process easy and seamless for me. It's not something I wanted to do, but one phone call and your team took care of it.​

Laliberte's did an awesome job, they booked the Lincoln on Monday morning and I picked the car up Thursday afternoon. Also, having a rental car was a plus so I could get to work without depending on others.

Just wanted you to know how much this was appreciated!”

Deb & Terry Brown 
Chatham, ON

My wife and I would like to give a big thank you to everyone that helped us with our claim and provided great service, Chris, Jay and everyone that works at Howard Mutual. Also, thank you to Pete at Winmar and Colin & Matt from Eriecon."

Ed & Carol Huckle 
Blenheim, ON

 I decided to transfer my Home and Auto insurance to Howard Mutual as Chris Hill took the time to meet with me in person and review my coverage needs.

Now I can stop worrying about finding suitable insurance."​

Ann Kuharski
Essex, ON

 My Thanks to you and the team that helped me through the accident this past year 

Mary O'Brien
Blenheim, ON

Thank you for making sure our family could enjoy a happy, healthy and relaxed life after our property loss. Many, many thanks for providing us with so much and for being the good neighbour you are. It is well appreciated. 

Wim & Rina Verkerk
Chatham, ON

We Support Our Community

Howard Mutual Office- Ridgetown 

Howard Mutual Medical Centre 

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. 

​Vision Statement

Honouring our past while building our business and communities.

 Core Values

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 

​Mission Statement

We are a community focused company working together with our policyholders to provide insurance solutions and personal service.

Ridgetown Office 

Gary Anderson 

​Agent Since 1981

Gary Houston

Agent Since 1993​

Greg Babula

Agent Since 2006

Rob Bednarowski

Agent Since 2012​

Blenheim Office 

Agent Since 1981​

John Derkson

Agent Since 2007

Chris Hill

Agent Since 2014​

Dan Peltier

Agent Since 2011​

Jonathan Derkson

Management and Staff  

Kim White
President and C.E.O.
Employee Since 2015  

Janet Gould
Business Development Manager
Employee Since 2016

Ruth Clark
Underwriting Manager
Employee Since 2016

Terry Foran
Claims Manager
Employee Since 1986                 

Tim Parker
Treasurer of the Corporation
Employee Since 1987

Stacey Smith
Property Underwriter
Employee Since 2003

Edy Marlatt
Claims Assistant
Employee Since 1996

Jaimie Amerlinck
Auto Underwriter
Employee Since 2006

Lisa Collins
Accounting Assistant
Employee Since 2007

Kacy Warwick
Administration Assistant
Employee Since 2008

Jason Handsor
Claims Adjuster
Employee Since 2010

Erin Duquette
Executive Assistant /
Employee Since 2014

Amber Willick
Property Underwriting Assistant
Employee Since 2014

Julie Smolders
Receptionist /
Administrative Assistant
Employee Since 2011

Janette Homes
Automobile Underwriting
Employee Since 1983                 

Board of Directors  

Ken McLarty                                           Chairman of the Board                         Ridgetown - Board Member Since 2008

Dan McDonald                                                Vice Chairman                                          Muirkirk - Board Member Since 2005

Jim Clark                                                    Director                                                    Highgate - Board Member Since 2011

Ken Scott                                                  Director                                                 Ridgetown - Board Member Since 2010

Rob McKinlay                                                 Director                                                    Morpeth - Board Member Since 1991

Gerry Sullivan                                                   Director                                                  Blenheim - Board Member Since 2009

Darrin Spence                                                Director                                                  Blenheim - Board Member Since 2009

Sheila Young                                                 Director                                                    Blenheim - Board Member Since 2014

Janet Nauta                                               Director                                                  Blenheim - Board Member Since 2016

Annual General Meeting
March 22, 2017. Click Here to download .pdf for all the important details. 

Howard Mutual Insurance Company Financial Statements 2016
Click Here to download the .pdf of the entire report 

Howard Mutual Sponsored Events 

Howard Mutual Community Skate 
• Sunday Jan 22nd, 1:00 to 2:30pm at Thames Campus Arena 
• Sunday January 29th 12:00 to 1:30 at Blenheim

Howard Mutual Insurance Company is looking for talented people, with an independent drive to be successful, to join our Sales Team 

Howard Mutual Insurance Agents share a proud 125 year history of providing insurance industry solutions to thousands of policyholders. Howard Mutual is a progressive, growth oriented property and casualty Mutual insurer providing residential, farm, automobile and commercial products. The Ridgetown head office and Blenheim sub-offices are located in Southwestern Ontario and a short distance from the cities of Chatham, London and Windsor. The successful candidate will become a key member of the Sales Team who encompasses our core values of servicing our community and policyholders.

Key Accountabilities:

  • Grow your client base through prospecting and meeting with existing and potential clients to complete insurance needs analysis
  • Provide ongoing insurance advice tailored to your clients’ needs;
  • Build your credibility and gain the trust of the people you serve by meeting their service expectations

Core Competencies:

  • You have either a post-secondary education or equivalent work experience
  • You will have a minimum of 3 years insurance industry experience
  • You are a natural communicator who excels at networking and building lasting relationships
  • You have a professional demeanor and superior business development and prospecting skills
  • You possess the skill to determine solutions for policyholders through a consultative sales approach
  • You possess a valid Ontario Driver’s License
  • You currently have or you are able to pass the Ontario Agent Licensing requirements


Please send your resume and cover letter to:

 While we sincerely appreciate all cover letters and resumes, only those candidates selected for interview will be contacted.

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

Realtor Referral

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