Howick Mutual

Car & Home Insurance Reviews

From your Excalibur Insurance Broker

Who is Howick Mutual Insurance Company?

Since 1873, the Howick Mutual Insurance Company has been providing peace of mind for people who live in rural areas and small towns. Howick Mutual understands the needs of people living in these areas because their independent brokers live there too! That’s just one of the many benefits of purchasing your insurance from a mutual – your premiums stay in the community, employing your friends, family, and neighbours while supporting the local economy. Another benefit of a mutual is becoming a member of the company. By purchasing your insurance from Howick Mutual, you get invited to their Annual General Meeting and get to voice your opinions on company decisions.

Insurance Coverage Offered by Howick


Auto Insurance

Howick Mutual provides unique pricing options, discounts, and add-on coverages to their auto insurance customers. All companies in Ontario offer the same auto coverage product, but Howick is different thanks to its unique pricing options, optional extra coverages, and its excellent customer service. Howick even offers higher accident benefits limits, emergency roadside service coverage, rental vehicle liability, and so much more. Automobile insurance coverage is available for:

  • Cars
  • SUVs
  • Campers & Motorhomes
  • ATVs
  • Snowmobiles


Property & Home Insurance

Howick Mutual offers competitive insurance solutions for owner-occupied, seasonal, secondary homeowners, and tenant’s packages. These insurance policies can help protect your home and personal property from damages or loss, along with providing you personal liability protection. Residential insurance coverage is available for:

  • Home
  • Apartment
  • Condo
  • Cottage
  • Tenants


Commercial Insurance

Howick Mutual wants to ensure that customers have the right protection in place for their business. They offer a wide variety of coverages, including liability, buildings, contents, equipment, cyber, loss of income, and crime packages. Commercial insurance coverage is available for these types of businesses:

  • Apartment/Residential Rental
  • Church
  • Contractor’s
  • Office
  • Retail
  • Home-Based Businesses


Farm Insurance

Howick Mutual is passionate about protecting your farm, and they have the knowledge and experience to do so. They offer coverages for livestock, produce, outbuildings, equipment, loss of income, and liability. Additionally, their Claims Free Discounting Program doesn’t raise the premium on your whole policy when you have a claim.


Prestige Farm Programs

  • Dairy Farms
  • Poultry Farms
  • Beef Farms
  • Swine Farms

Reviews from a few of Excalibur’s Happy Clients.

Contact Howick 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:

40592 Amberley Road RR #4
Wingham, ON N0G 2W0

Phone: (800) 265-3033
Local: (519) 912-1030
Fax: (519) 912-1031
Email: [email protected]
Office Hours: Monday – Friday 8:30 AM to 5:00 PM

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