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All Products

At HTM, we strive to offer a variety of products to fit your every need, allowing you to have everything you need in one place. Our product offering includes Farm, Residential, Auto and Commercial policies, which you can choose from by working with one of  our knowledgeable agents or brokers.

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Residential

Our homes are important to us, so we work to make sure yours is covered. We offer a suite of products for your personal insurance needs, which range from home, cottage, watercraft, investment properties and everything in-between.

Business

We know how important your business is to you and your family, which is why we take pride in offering custom commercial packages tailored to your business’s specific needs. Whether your business operates on the main street or out of your own home, our flexible coverage works to protect everything you’ve worked so hard to build.

Farm/Country Farm

We were formed in 1898 in the spirit of neighbours helping neighbours, as many farmers were unable to find companies to insure their properties and livestock. We started as a farm mutual, which means whatever type of farm you operate, our products will be sure to meet your needs. 

Auto 

We offer various coverage options to meet your auto insurance needs, always ensuring that you and your vehicle are protected. At HTM we take pride in underwriting your auto policy efficiently and competitively. 

Policy Wording

Refer to your policy declaration page for the coverages you have purchased from us. Your agent or broker is your best adviser.

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Description of Coverage Coverage Code Coverage Type Current Wording Previous Wordings
OPCF 27B – Business Operations – Liability for Damage to Non-Owned Automobile in your Care, Custody and Control OPCF 27B Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 28A – Excluded Driver OPCF 28A Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 20 – Coverage for Transportation Replacement OPCF 20 Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 27 – Liability for Damage to Non-Owned Automobiles OPCF 27 Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 27B – Business Liability for Non-Owned Automobiles OPCF 27B Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 98B – Reduction of Coverage for Lessees or Drivers of Leased Vehicles OPCF 98B Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 40 – Fire Deductible OPCF 40 Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 32 – Use of Recreational Vehicles by Unlicensed Operators OPCF 32 Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 30 – Removing Coverage for Attached Machinery OPCF 30 Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 48 – Offset Tort Deductibles OPCF 48 Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 6A – Permission to cary paying passengers OPCF 6A Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 47 – Agreement not to rely of SABS Priority of Payment Rules OPCF 47 Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 23A – Leinholder Protection OPCF 23A Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 43 – Removing Depreciation Deduction OPCF 43 Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 17 – Reinstatement of Coverage OPCF 17 Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 19A – Agreed Value of Automobiles OPCF 19A Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 9 – Marine Use Exclusion OPCF 9 Additional Coverages and Exclusions, Automobile Feb 2022
Declaration for Trailmaster Discount Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 5 – Premission to Rent or Lease Automobiles and Extending Coverage to the Specified Lessee(s) OPCF 5 Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 8 – Property Damage Reimbursement OPCF 8 Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 16 – Suspesion of Coverage OPCF 16 Additional Coverages and Exclusions, Automobile Feb 2022
Protection Plus Additional Coverages and Exclusions, Automobile Feb 2022
Declaration for the Retiree Discount Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 13C – Restricting Glass Coverage OPCF 13C Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 19 – Limiting the Amount Paif for Loss or Damage Coverages OPCF19 Additional Coverages and Exclusions, Automobile Feb 2022
Emergency Road Service Excess Coverage Additional Coverages and Exclusions, Automobile Feb 2022
OPCF 43A – Removing Depreciation Deduction for Specified Lessee(s) OPCF 43A Additional Coverages and Exclusions, Automobile Feb 2022
Ontario Automobile Policy (OAP 1) OAP 1 Automobile, OAP 1 Jun 2022
Your Tenants Insurance Policy TP-01.18 Primary Residence, Residential Mar 2022
Your Secondary Home Insurance Policy SH-01.18 Residential, Secondary Residence Mar 2022
Your Seasonal Home Insurance Policy SE-01.18 Residential, Seasonal Home Mar 2022
Your Rental Dwelling Insurance Policy RD-01.18 Investment Property, Residential Mar 2022
Your Premium Secondary Home Insurance Policy PSH-01.18 Residential, Secondary Residence Mar 2022
Your Premium Rental Dwelling Insurance Policy PRD-01.18 Investment Property, Residential Mar 2022
Your Premium Home Insurance Policy PHP-01.18 Primary Residence, Residential Mar 2022
Your Home Insurance Policy HP-01.18 Primary Residence, Residential Mar 2022
Your Condominium Rental Insurance Policy CRP-01.18 Investment Property, Residential Mar 2022
Your Condominimum Insurance Policy CP-01.18 Primary Residence, Residential Mar 2022
Your Basic Insurance Policy BAS-01.18 Other Coverages, Residential Mar 2022
Watercraft Floater WC-01.18 Residential, Watercraft Mar 2022
Water Protection Endorsement WPE-01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Water Backup Endorsement WBE-01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Statutory and Additional Conditions CON-01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Roof Restriction Endorsement RRE-01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Personal Articles Floater PAF-01.18 Personal Articles, Residential Mar 2022
Owners Constrution Liability Endorsement ELI-0012-0396 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Life Lease Extension Endorsement EO-0820-1206 Primary Residence, Residential Mar 2022
Legal Liability LL-01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Home Systems Protection Endorsement EO-0940-0316 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
General Loss or Damage Not Insured GLD-01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
General Definitions – Residential DFR-01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Functional Rebuilding Cost FRC-01.18 Primary Residence, Residential Mar 2022
Builders Risk Coverage BR - 01.18 Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence Mar 2022
Additional Coverage – Premium ACE - 01.18 Primary Residence, Residential Mar 2022
Additional Coverage – Home ACS - 01.18 Primary Residence, Residential Mar 2022
Additional Coverage – Basic ACB - 01.18 Other Coverages, Residential Mar 2022
Your Seasonal Home Insurance Policy – Farm SE-01.18 Farm, Home Insurance Mar 2022
Your Basic Insurance Policy – Farm BAS-01.18 Farm, Home Insurance Mar 2022
Your Tenants Insurance Policy – Farm TP-01.18 Farm, Home Insurance Mar 2022
Your Secondary Home Insurance Policy – Farm SH-01.18 Farm, Home Insurance Mar 2022
Your Rental Dwelling Insurance Policy – Farm RD-01.18 Farm, Home Insurance Mar 2022
Your Premium Secondary Home Insurance Policy – Farm PSH-01.18 Farm, Home Insurance Mar 2022
Your Premium Rental Dwelling Insurance Policy – Farm PRD-01.18 Farm, Home Insurance Mar 2022
Your Premium Home Insurance Policy – Farm PHP-01.18 Farm, Home Insurance Mar 2022
Your Premium Country Home Insurance Policy PCH-01.18 Farm, Home Insurance Mar 2022
Your Home Insurance Policy – Farm HP-01.18 Farm, Home Insurance Mar 2022
Your Country Home Insurance Policy CRP-01.18 Farm, Home Insurance Mar 2022
Your Condominium Rental Insurance Policy – Farm CRP-01.18 Farm, Home Insurance Mar 2022
Your Condominimum Insurance Policy – Farm CP-01.18 Farm, Home Insurance Mar 2022
Watercraft Floater – Farm WC-01.18 Farm, Other Coverages Mar 2022
Water Protection Endorsement – Farm WPE-01.18 Farm, Home Insurance Mar 2022
Water Backup Endorsement – Farm WBE-01.18 Farm, Home Insurance Mar 2022
Unmanned Air Vehicle Systems ELI-0240-1115 Farm, Other Coverages Mar 2022
Statutory and Additional Conditions – Farm CON-01.18 Farm, Farm Liability Mar 2022
Stated Value Coverage Extension MSV-01.18 Farm, Farm Buildings Mar 2022
Snowload SN-01.18 Farm, Farm Buildings Mar 2022
Semen Embryo Tank Coverage – Broad Form SET-01.18 Farm, Farm Livestock Mar 2022
Roof Restriction Endorsement – Farm RRE-01.18 Farm, Farm Buildings, Home Insurance Mar 2022
Rebuilding Clause Amendment RBA-01.18 Farm, Farm Buildings Mar 2022
Produce – Named Perils PNP-01.18 Farm, Farm Produce Mar 2022
Personal Articles Floater – Farm PAF-01.18 Farm, Other Coverages Mar 2022
Owners Constrution Liability Endorsement – Farm ELI-0012-0396 Farm, Home Insurance Mar 2022
Machinery and Equipment – All Risk ME-01.18 Farm, Farm Machinery Mar 2022
Loss of Use – Farm Machinery LOU-01.18 Farm, Farm Machinery Mar 2022
Loss of Income – Standard Form LIS-01.18 Farm, Farm Liability Mar 2022
Loss of Income – Enhanced Form LIH-01.18 Farm, Farm Liability Mar 2022
Loss of Farm Rental Income LOR-01.18 Farm, Farm Buildings Mar 2022
Livestock – Extended Perils LIE-01.18 Farm, Farm Livestock Mar 2022
Livestock – All Risk LIA-01.18 Farm, Farm Livestock Mar 2022
Life Lease Extension Endorsement – Farm EO-0820-1206 Farm, Home Insurance Mar 2022
Legal Liability – Farm LL-01.18 Farm, Farm Liability Mar 2022
Indemnity Period Extension IPE-01.18 Farm, Other Coverages Mar 2022
Home Systems Protection Endorsement – Farm EO-0940-0316 Farm, Home Insurance Mar 2022
General Loss or Damage Not Insured – Farm GLD-01.18 Farm, Home Insurance Mar 2022
General Definitions – Residential – Farm DFR-01.18 Farm, Home Insurance Mar 2022
General Definitions – Farm DEF-01-18 Farm, Home Insurance Mar 2022
Functional Rebuilding Cost – Farm FRC-01.18 Farm, Home Insurance Mar 2022
Farmers Limited Liability ELI-0006-1113 Farm, Farm Liability Mar 2022
Farm Liability ELI-0965-0215 Farm, Farm Liability Mar 2022