Howard Mutual is a well-established, progressive, local mutual insurer providing residential, farm, automobile, and commercial insurance products. Unlike typical insurance companies, as a mutual insurer, Howard Mutual is owned by its Policyholders. At Howard Mutual Insurance we live, work and play in your community. We are truly "Neighbours helping Neighbours". Our Agents still make house calls. They will meet with you at your kitchen table, on the farm, or in the office, you decide what works best for you. Our goal is to work together with our policyholders and Board of Directors to provide protection, give back to our community and continue to generate refunds. When we earn a profit we give back an annual refund to our policyholders. Though refunds are never guaranteed, Howard Mutual has provided a refund to our policyholders for over 30 years in a row! We are proud to maintain our community based roots while working with our policyholders to provide creative insurance solutions and exceptional customer service. Become a policyholder today and discover the Howard Mutual difference by calling or stopping by one of our branches or simply visiting our website howardmutual.com.