Heartland Farm Auto & Home Insurance Reviews


Heartland Farm Mutual Insurance Logo

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.

Insurance Coverage Offered by Heartland Farm Mutual

Vehicle 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.

Property & Residential 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

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 businesses types, including:

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

Speciality Insurance

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

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
  • Farmers Accident/Injury
  • Farm Liability

Contact Heartland Farm Mutual in 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: [email protected]