See what customers say about
HTM Insurance.

Founded in 1898, Hamilton Township Mutual (HTM) Insurance provides provides Ontario with home, auto, farm and business insurance.

Hamilton Township Mutual (HTM) Insurance was founded in 1898 as a company that provided risk protection against fires at Ontario farms. From the company’s founding, HTM Insurance has become a major mutual insurance company in Ontario, and serves customers across the province, specializing in home, auto, farm and business insurance products.

HTM Insurance products are a good fit for customers who want a more familiar feel out of their insurance provider, as well as those who desire a company with a history of experience providing protection against the risks associated with owning and operating a farmstead.

Here are some of the features HTM customers have come to expect.

Because the company’s business model makes it so easy for brokers and clients to interact, HTM is seen as one of the more user-friendly options in the Ontario insurance market.

Hamilton Township Mutual creates the opportunity for a more personal insurance experience for small family farms, small to medium-sized businesses and even individuals who desire a more customized insurance buying experience. Because HTM Insurance isn’t a very large company in comparison to some of its competitors in Ontario, it relies frequently on brokers who are likely to be more familiar with clients in their region, as well as the needs of unique communities around the province.

Here are some the advantages that come with a policy from HTM Insurance:

Hamilton Township Mutual Insurance offers coverage products in 4 main areas: residential, business, farm and auto policies.

HTM claims to be able to build a package that suits a unique homeowner’s coverage requirements. The company offers the following coverage options.

With a combination of these policies, a homeowner with HTM as their insurer can choose from the minimum coverage (property and liability) to more extensive plans (insurance for a home’s contents as well as additional properties).

Discounts are available for:

HTM Insurance covers all standard vehicles, with the following discounts available for various conditions:

Plus, policyholders are given the option to purchase additional coverage to protect their good driving record in the event of an accident that they caused. Basically, a driver with a previous safe driving history pays a little more on their policy to ensure that their rates won’t go up after an at-fault accident.

This is another area where HTM strives to customize its coverage options to fit specific farmers’ needs, offering coverage for:

The last one includes rural estates that don’t operate a commercial farm but share many of the same needs as one.

Again here, HTM claims that when a business owner comes to the company with a need for risk protection, their brokers and agents will help find a coverage combination that best meets their unique business needs. Here are some of the industries that HTM Insurance covers: