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 |
|---|---|---|---|---|
| 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 | Jan 2024 | |
| Warehouse Operator Coverage | EO-0150-0517 | Farm, Other Coverages | Sep 2023 | |
| Livestock Mortality Policy | PP-0030-0601 | Farm Livestock | 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 Condominium Rental Insurance Policy – Farm | CRP-01.18 | Farm, Home Insurance | Mar 2022 | |
| Water Backup Endorsement – Farm | WBE-01.18 | Farm, Home Insurance | Mar 2022 | |
| Water Protection Endorsement – Farm | WPE-10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Watercraft Floater – Farm | WC-01.18 | Farm, Other Coverages | Mar 2022 | |
| Your Condominimum Insurance Policy – Farm | CP-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 Home Insurance Policy – Farm | HP-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 Premium Home Insurance Policy – Farm | PHP-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 |
| 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 | |
| Loss of Use – Farm Machinery | LOU-01.18 | Farm, Farm Machinery | Mar 2022 | |
| Machinery and Equipment – All Risk | ME-10.23 | Farm, Farm Machinery | Jan 2024 | 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 | |
| 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-10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| General Definitions – Residential – Farm | DFR-10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| General Definitions – Farm | DEF-10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Functional Rebuilding Cost – Farm | FRC-01.18 | Farm, Home Insurance | Mar 2022 | |
| Farm Building – Debris Removal | FBD - 10.23 | Farm, Farm Buildings | Jan 2024 | Mar 2022 |
| Farm Building – Named Perils | FBN - 10.23 | Farm, Farm Buildings | Jan 2024 | Mar 2022 |
| Farm Building – Total Loss Coverage Extension | TLC - 01.18 | Farm, Farm Buildings | Mar 2022 | |
| Farmers Limited Liability | ELI-0006-1113 | Farm, Farm Liability | Mar 2022 | |
| Farm Liability | ELI-0965-0215 | Farm, Farm Liability | Mar 2022 | |
| Extensions of Coverage – Enhanced | EXE - 10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Builders Risk Coverage – Farm | BR - 10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Contingent Income | CI - 01.18 | Farm, Farm Income | Mar 2022 | |
| Equipment Breakdown Coverage Endorsement | EO-0860-0217 | Farm, Other Coverages | Mar 2022 | |
| Extensions of Coverage – Standard | EXS - 10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Extensions of Coverage – Country | EXC - 10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Extra Expense Insurance Coverage Form | EX - 01.18 | Farm, Farm Income | Mar 2022 | |
| Farm Accident | FA - 01.18 | Farm, Farm Buildings | Mar 2022 | |
| Farm Building – Agreed Value | AV - 01.18 | Farm, Farm Buildings | Mar 2022 | |
| Farm Building – All Risk | FBA - 10.23 | Farm, Farm Buildings | Jan 2024 | Mar 2022 |
| Builders and Personal Liability | ELI-0995-0115 | Farm, Home Insurance | Mar 2022 | |
| Antique Tractor Endorsement | AT - 10.23 | Farm, Farm Machinery | Jan 2024 | Mar 2022 |
| Additional Coverage – Premium – Farm | ACE - 10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Additional Coverage – Home – Farm | ACS - 10.23 | Farm, Home Insurance | Jan 2024 | Mar 2022 |
| Additional Coverage – Basic – Farm | ACB - 01.18 | Farm, Home Insurance | Mar 2022 | |
| Additional Building Protection | ABP-01.18 | Farm, Farm Buildings | Mar 2022 |
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.
