The Mutual Difference

Heartland Mutual Insurance is Right in Your Community.

Whether you’re a farmer, homeowner, or business owner—today, more than ever—people like you appreciate the value of the mutual insurance alternative. Here’s why:

  • Heartland representatives and staff work and live in the communities we serve. We are caring people who know your name, not just your policy number. 

  • We provide the kind of prompt, professional and friendly attention you’d expect from someone you know!

  • We are a Canadian company, owned by our policyholders. As opposed to paying profits to outside shareholders, profits are retained for the benefit of policyholders. 

  • Directors of our company are elected from within our local communities by fellow policyholders. As your friends and neighbours, we act in the best interests of everyone.

    What Our Clients Are Saying

    • My mother, had her home destroyed by Hurricane Fiona in September. Since the moment the claim was reported, Dan (Senior Field Claims Representative) was responsive, knowledgeable, and personable. He put my mother’s mind at ease in what was a very stressful situation. My mother had a new roof and tear out of her house completed before any of her neighbours even received a return phone call from their adjuster. Dan answered questions right away, kept mom updated on information from the contractors, issued reimbursement payments for expenses incurred in a very timely manner, and is overall just a really friendly guy.

      Leah (Policyholder)
    • We had a wonderful experience with Heartland. I can’t say enough about our Claims Rep. He was amazing, very efficient, and helpful with all our questions and concerns.

      Renee (Policyholder)
    • I was very happy with all the people who were involved in my claim. Thank you.

      John & Norma (Policyholders since 2006)
    • This was our first time dealing with an insurance claim and it was a great experience. Our adjuster was exceptional…we couldn’t expect anything more. Thank you very much!

      Derek & Amy (Policyholders since 2014)
    • The high level of service and prompt attention to this claim has been refreshing given the current claims environment – This should be an example to your claims supervisor & team leaders.

      Mike (Broker Partner)
    • The process was a big stress relief. I could not ask for any better. Thank you.

      Ron & Teresa (Policyholders since 2015)

    Dedicated to protecting what matters most.