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.
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.
| Description of Coverage | Coverage Code | Coverage Type | Current Wording | Previous Wordings |
|---|---|---|---|---|
| Minor Conviction Protection | FMCF03 | Additional Coverages and Exclusions, Automobile | Jun 2024 | |
| Additional Insured Endorsement – Use of Hydro One Corridors | ELI-0915-1223 | Farm, Farm Liability | Dec 2023 | |
| OPCF 49 – Agreement Not to Recover for Loss or Damage from an Automobile Collision (for Ontario Automobile Policy OAP 1) | OPCF 49 | Additional Coverages and Exclusions, Automobile | Jan 2024 | |
| Direct Compensation Property Damage / OPCF 49 Information Memo | Additional Coverages and Exclusions, Automobile | Jan 2024 | ||
| Limited Waiver of Depreciation Extension | LWD-0010-11.23 | Business, Contractors | Jan 2024 | |
| Farm Office Equipment – All Risk | FOE - 10.23 | Farm, Other Coverages | Jan 2024 | |
| Ontario Garage Automobile Policy (OAP 4) | OAP 4 | Automobile, OAP 4 | Jan 2022 | |
| Warehouse Operator Coverage | EO-0150-0517 | Farm, Other Coverages | Sep 2023 | |
| Livestock Mortality Policy | PP-0030-0601 | Farm Livestock | Mar 2022 | |
| 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 | FMCF01 | Additional Coverages and Exclusions, Automobile | Apr 2024 | Jun 2016 |
| 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 | FMCF35 | Additional Coverages and Exclusions, Automobile | Jun 2024 | 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 | Jan 2024 | Jun 2022 |
| Your Tenants Insurance Policy | TP-10.23 | Primary Residence, Residential | Jan 2024 | Mar 2022 |
| Your Secondary Home Insurance Policy | SH-10.23 | Residential, Secondary Residence | Jan 2024 | Mar 2022 |
| Your Seasonal Home Insurance Policy | SE-10.23 | Residential, Seasonal Home | Jan 2024 | Mar 2022 |
| Your Rental Dwelling Insurance Policy | RD-01.18 | Investment Property, Residential | Mar 2022 | |
| Your Premium Secondary Home Insurance Policy | PSH-10.23 | Residential, Secondary Residence | Jan 2024 | Mar 2022 |
| Your Premium Rental Dwelling Insurance Policy | PRD-10.23 | Investment Property, Residential | Jan 2024 | Mar 2022 |
| Your Premium Home Insurance Policy | PHP-10.23 | Primary Residence, Residential | Jan 2024 | Mar 2022 |
| Your Home Insurance Policy | HP-10.23 | Primary Residence, Residential | Jan 2024 | Mar 2022 |
| Your Condominium Rental Insurance Policy | CRP-01.18 | Investment Property, Residential | Mar 2022 | |
| Your Condominimum Insurance Policy | CP-10.23 | Primary Residence, Residential | Jan 2024 | Mar 2022 |
| Your Basic Insurance Policy | BAS-10.23 | Other Coverages, Residential | Jan 2024 | Mar 2022 |
| Watercraft Floater | WC-01.18 | Residential, Watercraft | Mar 2022 | |
| Water Protection Endorsement | WPE-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2024 | Mar 2022 |
| Water Backup Endorsement | WBE-01.18 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Mar 2022 | |
| Statutory and Additional Conditions | CON-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2024 | 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 | |
| Owner’s Construction 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-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2024 | Mar 2022 |
| Home Systems Protection Endorsement | EO-0940-0723 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jul 2023 | |
| General Loss or Damage Not Insured | GLD-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2024 | Mar 2022 |
| General Definitions – Residential | DFR-10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2024 | Mar 2022 |
| Functional Rebuilding Cost | FRC-01.18 | Primary Residence, Residential | Mar 2022 | |
| Builders Risk Coverage | BR - 10.23 | Investment Property, Primary Residence, Residential, Seasonal Home, Secondary Residence | Jan 2024 | Mar 2022 |
| Additional Coverage – Premium | ACE - 10.23 | Primary Residence, Residential | Jan 2024 | Mar 2022 |
| Additional Coverage – Home | ACS - 10.23 | Primary Residence, Residential | Jan 2024 | Mar 2022 |
| Additional Coverage – Basic | ACB - 01.18 | Other Coverages, Residential | Mar 2022 | |
| Your Seasonal Home Insurance Policy – Farm | SE-10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Your Basic Insurance Policy – Farm | BAS-10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Your Tenants Insurance Policy – Farm | TP-10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Your Secondary Home Insurance Policy – Farm | SH-10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Your Rental Dwelling Insurance Policy – Farm | RD-01.18 | Farm, Home Insurance | Mar 2022 | |
| Your Premium Secondary Home Insurance Policy – Farm | PSH-10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Your Premium Rental Dwelling Insurance Policy – Farm | PRD-10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Your Premium Home Insurance Policy – Farm | PHP-10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Your Premium Country Home Insurance Policy | PCH-10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Your Home Insurance Policy – Farm | HP-10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Your Country Home Insurance Policy | CH-10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Your Condominium Rental Insurance Policy – Farm | CRP-01.18 | Farm, Home Insurance | Mar 2022 | |
| Your Condominimum Insurance Policy – Farm | CP-10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Watercraft Floater – Farm | WC-01.18 | Farm, Other Coverages | Mar 2022 | |
| Water Protection Endorsement – Farm | WPE-10.23 | Farm, Home Insurance | Jan 2024 | 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-10.23 | Farm, Farm Liability | Jan 2024 | Mar 2022 |
| Stated Value Coverage Extension | MSV-10.23 | Farm, Farm Buildings | Jan 2024 | Mar 2022 |
| Snowload | SN-10.23 | Farm, Farm Buildings | Jan 2024 | 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 | |
| Owner’s Construction Liability Endorsement – Farm | ELI-0012-0396 | Farm, Home Insurance | Mar 2022 | |
| Machinery and Equipment – All Risk | ME-10.23 | Farm, Farm Machinery | Jan 2024 | 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 |
