Our Difference

While the Heartland name may be new, what’s behind it is not.

The shared values, benefits, and commitment of North Waterloo and Oxford Mutual still remain part of who we are.
Together, this combined force really makes a difference!


Community Involvement

Heartland Farm Mutual proudly supports the communities served by our agents and brokers.

Consumer Rights

Your rights include the right to be informed fully, to be treated fairly, to timely complaint resolution, and to privacy.

Loss Prevention

Loss Prevention aims to minimize risk, financial loss, and offers preventative measures to protect what matters most to you.

The Legacy of Heartland

Heartland Farm Mutual comprised of OXFORD MUTUAL INSURANCE and NORTH WATERLOO FARMERS MUTUAL together have deep roots in rural Ontario communities dating back to 1878,

The Mutual Difference

Whether you're a farmer, homeowner, or  business owner, today, more than ever, people like you appreciate the value of the mutual insurance alternative.