Heartland Farm

Car & Home Insurance Reviews

From your Excalibur Insurance Broker

Who is Heartland Farm Mutual?

Heartland Farm Mutual Inc. was formed in January 2016, after North Waterloo Farmers Mutual and Oxford Mutual merged. These organizations have over 250 years of combined insurance experience. Heartland Farm Mutual writes over $100 million in premiums each year and manages over 50,000 insurance policies across Ontario. Heartland’s vision is and has always been to become a leading Mutual dedicating to fulfilling its promise to offer tailored insurance solutions via exemplary customer experience. Heartland Farm Mutual offers auto, property, commercial, farm, and other coverage solutions to better fulfill its client’s needs.

Insurance Coverage Offered by Heartland Farm Mutual

Heartland Farm Mutual

Auto Insurance

Heartland considers several factors when determining an auto insurance premium. These factors include where you live, how you use your vehicle, who drives your vehicle, and any accidents, tickets, or non-payments you have on your driving record. You may be eligible for additional discounts on your auto insurance if you have winter tires, are retired, commute less than 5kms to work one way, or have been insured with Heartland for three years or more. They also offer a discount on your auto insurance when you bundle it with a Heartland home, tenants, or farm policy.

Heartland Farm Mutual

Property & Home Insurance

For many people, their home is their most valuable asset, which means you need the right coverage to protect it. Heartland Farm Mutual provides coverage for your home, contents, and personal liability, as well as a variety of add-on coverages to meet your unique needs. Talk to an Excalibur Insurance broker to get a competitive quote and discuss the best coverage for you. Discounts are available when you bundle your home and auto insurance with Heartland, or if you install a smart home monitoring system. Heartland answers several FAQs about their home insurance policies on their website, which you can read here

Heartland’s property insurance options include:

  • Home
  • Secondary Home
  • Heritage Property
  • Condo
  • Seasonal Home or Cottage

Heartland Farm Mutual

Commercial Insurance

Commercial Insurance from Heartland Farm Mutual provides risk management coverage for your business, your customers, and yourself. With customized coverage and competitive rates, Heartland has coverage that will compliment your needs. They also offer convenient all-in-one packages for select business types, including:

  • Contractors
  • Churches
  • Apartment Buildings
  • Wineries
  • Retail and Office

Heartland Farm Mutual

Specialty Insurance

Heartland Farm Mutual works hard to provide innovative solutions to insurance and is continually modernizing its approach. Due to the changing needs within the industry, Heartland Farm Mutual has responded by curating unique coverages to keep its clients protected and secure. Some of Heartland Farm Mutual’s speciality insurance coverages include:

  • Antique Tractor
  • Hobby Farms
  • Identity Theft
  • Mature Policyholder Benefits
  • Current Construction Cost
  • Commercial Auto Fleets
  • Home-Based Business
  • Solar Panels

Heartland Farm Mutual

Farm Insurance

Like their name implies, Heartland Farm Mutual has a special place in their hearts for farmers. As one of the largest farm insurance providers in Ontario, Heartland understands the business of farming and how to best protect your livelihood. Heartland specializes in agribusiness and rural protection, so whether you own a family farm or a large agricultural operation, they have coverages available to meet your needs. Their programs include:

  • Poultry
  • Dairy
  • Dairy Goat
  • Horse
  • Hog
  • Beef
  • Sheep
  • Crops/Greenhouses
  • Hobby Farms
  • Replacement Cost
  • Barns & Outbuildings
  • Business Interruption (Loss of Income)
  • Equipment & Machinery
  • Livestock
  • Farm Produce
  • Farmer’s Accident/Injury
  • Farm Liability

Reviews from a few of Excalibur’s Happy Clients.

Contact Heartland Farm Mutual Ontario

Your Excalibur Insurance broker should always be your first point of contact in the event of an emergency, as well as when you need to make changes to your policy or payment information. However, if you need to contact your insurance provider directly, you can reach them at:

Head Office:

100 Erb Street,
East Waterloo, ON N2J 1L9

General Phone: 1-800-265-8813
Local Phone: 519-886-4530
General Fax: 519-746-0222
Claims Phone: 1-800-265-8813
Claims Fax: 519-746-0805
Claims Email: [email protected]
Payments Fax: 519-886-1630
Payments Email: 519-746-0805

Heartland Farm Mutual also has a 24/7 emergency response line if you can’t immediately reach your broker or decide to go straight to your insurance carrier instead. You can report claims anytime of the day, any day of the week, at 1-800-265-8813.

If you need to make a claim in the United States, Heartland Farm Mutual is still available to help you out. For claims in the United States, you can reach Heartland Farm Mutual at 1-888-224-5677.

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