We were formed in 1898 in the spirit of neighbors helping neighbors, 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.
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Whatever type of farm you operate, our products will meet your needs. We are a “farm” mutual.
Farm Insurance Products
Home Insurance
Farm Liability
Farm Buildings
Farm Livestock
Farm Machinery
Farm Produce
Farm Income
Other Coverages
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 |
|---|---|---|---|---|
| Wind Exclusion Endorsement | WEX-10.24 | Farm, Farm Buildings | Oct 2024 | |
| Amphibious Automobile Coverage Endorsement – Farm | FE-50502 | Farm, Farm Liability | Jan 2024 | |
| Additional Insured Endorsement – Use of Hydro One Corridors | ELI-0915-1223 | Farm, Farm Liability | Dec 2023 | |
| Farm Office Equipment – All Risk | FOE - 10.23 | Farm, Other Coverages | Oct 2023 | |
| Warehouse Operator Coverage | EO-0150-0517 | Farm, Other Coverages | May 2017 | |
| Livestock Mortality Policy | PP-0030-0601 | Farm Livestock | Jun 2001 | |
| Your Seasonal Home Insurance Policy – Farm | SE-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Tenants Insurance Policy – Farm | TP-10.23 | Farm, Home Insurance | Oct 2023 | Mar 2022 |
| Your Premium Secondary Home Insurance Policy – Farm | PSH-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Rental Dwelling Insurance Policy – Farm | RD-01.18 | Farm, Home Insurance | Jan 2018 | |
| Your Secondary Home Insurance Policy – Farm | SH-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Basic Insurance Policy – Farm | BAS-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Country Home Insurance Policy | CH-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Water Backup Endorsement – Farm | WBE-01.18 | Farm, Home Insurance | Jan 2018 | |
| Water Protection Endorsement – Farm | WPE-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Watercraft Floater – Farm | WC-11.20 | Farm, Other Coverages | Nov 2020 | Jan 2018 |
| Your Condominium Insurance Policy – Farm | CP-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Condominium Rental Insurance Policy – Farm | CRP-01.18 | Farm, Home Insurance | Jan 2018 | |
| Your Home Insurance Policy – Farm | HP-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Premium Country Home Insurance Policy | PCH-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Premium Home Insurance Policy – Farm | PHP-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Your Premium Rental Dwelling Insurance Policy – Farm | PRD-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Unmanned Air Vehicle Systems | ELI-0240-1115 | Farm, Other Coverages | Nov 2015 | |
| Statutory and Additional Conditions – Farm | EO-0895-0125 | Farm, Farm Liability | Jan 2025 | Jan 2018 Oct 2023 |
| Stated Value Coverage Extension | MSV-10.23 | Farm, Farm Buildings | Oct 2023 | Jan 2018 |
| Snowload | SN-10.23 | Farm, Farm Buildings | Oct 2023 | Jan 2018 |
| Semen Embryo Tank Coverage – Broad Form | SET-01.18 | Farm, Farm Livestock | Jan 2018 | |
| Roof Restriction Endorsement – Farm | RRE-01.18 | Farm, Farm Buildings, Home Insurance | Jan 2018 | |
| Rebuilding Clause Amendment | RBA-01.18 | Farm, Farm Buildings | Jan 2018 | |
| Produce – Named Perils | PNP-01.18 | Farm, Farm Produce | Jan 2018 | |
| Personal Articles Floater – Farm | PAF-01.18 | Farm, Other Coverages | Jan 2018 | |
| Owner’s Construction Liability Endorsement – Farm | ELI-0012-0396 | Farm, Home Insurance | Mar 1996 | |
| Loss of Use – Farm Machinery | LOU-01.18 | Farm, Farm Machinery | Jan 2018 | |
| Machinery and Equipment – All Risk | ME-10.23 | Farm, Farm Machinery | Oct 2023 | Jan 2018 |
| Loss of Income – Standard Form | LIS-01.18 | Farm, Farm Income | Jan 2018 | |
| Loss of Income – Enhanced Form | LIH-01.18 | Farm, Farm Income | Jan 2018 | |
| Loss of Farm Rental Income | LOR-01.18 | Farm, Farm Income | Jan 2018 | |
| Livestock – Extended Perils | LIE-01.18 | Farm, Farm Livestock | Jan 2018 | |
| Livestock – All Risk | LIA-01.18 | Farm, Farm Livestock | Jan 2018 | |
| Life Lease Extension Endorsement – Farm | EO-0820-1206 | Farm, Home Insurance | Dec 2006 | |
| Indemnity Period Extension | IPE-01.18 | Farm, Other Coverages | Jan 2018 | |
| Home Systems Protection Endorsement – Farm | EO-0940-0125 | Farm, Home Insurance | Jan 2025 | Jul 2023 |
| General Loss or Damage Not Insured – Farm | GLD-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| General Definitions – Residential – Farm | DFR-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| General Definitions – Farm | DEF-10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Functional Rebuilding Cost – Farm | FRC-01.18 | Farm, Home Insurance | Jan 2018 | |
| Farm Building – Named Perils | FBN - 10.23 | Farm, Farm Buildings | Oct 2023 | Jan 2018 |
| Farm Building – Debris Removal | FBD - 10.23 | Farm, Farm Buildings | Oct 2023 | Jan 2018 |
| Farm Building – Total Loss Coverage Extension | TLC - 01.18 | Farm, Farm Buildings | Jan 2018 | |
| Farm Liability | ELI-0965-0215 | Farm, Farm Liability | Feb 2015 | |
| Farmers Limited Liability | ELI-0006-1113 | Farm, Farm Liability | Nov 2013 | |
| Farm Building – All Risk | FBA - 10.23 | Farm, Farm Buildings | Oct 2023 | Jan 2018 |
| Farm Building – Agreed Value | AV - 01.18 | Farm, Farm Buildings | Jan 2018 | |
| Farm Accident | FA - 01.18 | Farm, Farm Buildings | Jan 2018 | |
| Extra Expense Insurance Coverage Form | EX - 01.18 | Farm, Farm Income | Jan 2018 | |
| Extensions of Coverage – Country | EXC - 10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Extensions of Coverage – Standard | EXS - 10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Extensions of Coverage – Enhanced | EXE - 10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Equipment Breakdown Coverage Endorsement | EO-0860-0125 | Farm, Other Coverages | Jan 2025 | Feb 2017 |
| Contingent Income | CI - 01.18 | Farm, Farm Income | Jan 2018 | |
| Builders Risk Coverage – Farm | BR - 10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Additional Coverage – Basic – Farm | ACB - 01.18 | Farm, Home Insurance | Jan 2018 | |
| Additional Coverage – Home – Farm | ACS - 10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Additional Coverage – Premium – Farm | ACE - 10.23 | Farm, Home Insurance | Oct 2023 | Jan 2018 |
| Antique Tractor Endorsement | AT - 10.23 | Farm, Farm Machinery | Oct 2023 | Jan 2018 |
| Builders and Personal Liability | ELI-0995-0115 | Farm, Home Insurance | Jan 2015 | |
| Additional Building Protection | ABP-01.18 | Farm, Farm Buildings | Jan 2018 |
Testimonials
Other 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.
