Heartland Farm Mutual Insurance Company is community-based insurer, established in 2016 with the merger of North Waterloo Farmers Mutual and Oxford Mutual.
|Employees||51 to 200|
|Canadian Mkt. Share*||0.20% (2019)|
|Insurance Products||Auto, Home, Farm, Business, & Specialty Insurance|
|*Of all private P&C in Canada by net premiums written, excluding life and purely A&S companies.|
Heartland Farm Mutual can trace its roots all the way back to 1873, when North Waterloo Farmers Mutual starting writing policies for agricultural businesses in rural Ontario. Today, Heartland Farm has expanded to provide coverage for home, auto, farm, other commercial, and a range of specialty risk areas, but still only offers its products to customers in Ontario.
Because of Heartland Farm Mutual’s deep ties to the farms and rural businesses of the community it serves, the company makes a commitment to involve itself with the community, supporting causes like the local 4H branch, Waterloo Food Bank, and other local organizations involved in agriculture and food production.
Customers of Heartland Farm Mutual have come to expect the following from their insurer:
Heartland Farm Mutual benefits from a network of brokers across Ontario, with hundreds spread throughout the province.
Heartland Farm Mutual’s home and business policyholders typically enjoy the following benefits from being a customer:
Heartland Farm Mutual offers insurance for cars, homes, businesses, and farms, as well as a range of specialty coverages.
The company builds customers a monthly premium for car insurance based on the following factors:
In addition, Heartland Farm Mutual offers a number of discounts that may lower the cost of auto coverage.
Heartland Farm Mutual offers an array of home insurance options as well as coverage for renters and condo owners.
The company offers a number of available discounts on home coverage:
Policyholders can also increase their deductible for discounts on their monthly premiums: Increasing from $500 to $1,000 is good for a discount of 10% while $2,500 is good for a 20% discount.
Heartland Farm’s roots are in covering family farms in Ontario, and this is still the area in which it specializes. Covering farms and agricultural businesses of sizes, Heartland Farm Mutual’s insurance options for farm owners include the following:
Heartland Farm Mutual acknowledges that the agricultural industry has modernized, and the company’s robust, technology-oriented loss prevention resources are a response to new risks. Some of the company’s loss prevention tools include:
Heartland Farm Mutual specializes in covering the unique risks for rural businesses, offering customized policies and added loss protection services for contractors, churches, apartment buildings, wineries, retail and office packages, and more.
Heartland Farm Mutual also offers a variety of specialty coverage areas that can be added to policies to truly offer full coverage for the needs of a given customer. These services include the following: