On January 1, 2016 Heartland Farm Mutual Inc. became a legal entity, formed from the merger of North Waterloo Farmers Mutual ... and Oxford Mutual. These two parent companies bring together a combined total of more than 250 years of experience serving rural Ontario's insurance needs. Heartland Farm Mutual is in your community. Whether you're a farmer, homeowner, or business owner, today, more than ever, people like you appreciate the value of the mutual insurance alternative. Our Vision: We are the preferred agribusiness and rural insurance specialists, understanding and anticipating our customers' needs beyond their expectations. We are courageous. Our team is talented and dedicated; challenging the norm and striving to be better every day. Our Mission: Heartland provides protection for our agribusiness and rural policyholders through exemplary customer intimacy. Our Values: Integrity, Respect, Professionalism, Transparency, Forward Thinking, Community & Environment. Our Value Proposition: Customer intimacy is our value proposition. It's what makes us unique to our customers. It drives and influences our selected strategies and tactics. read more