Strength, Stability, and Peace of Mind
Usborne & Hibbert Mutual Fire Insurance Company has been providing competitive insurance solutions to protect homes, farms, and businesses in rural Ontario since 1876. Founded by two farmers, Alex Duncan and Robert Gardiner, the company started with a simple idea: neighbours helping neighbours. Over a century later, this guiding principle still holds true. We remain committed to serving the community by offering exceptional local accountability and sharing our profits with policyholders.
Our Mission
Our mission is to provide competitive insurance solutions that protect our policyholders and give them peace of mind. We believe in fostering strong relationships with our policyholders, built on a foundation of honesty, trust, and fairness.
Our Vision
Our vision is to create a better future for our community today. Through our mutual insurance model, we invest in the community by offering personal touch customer service and promoting mutuality.
Our Values
- Communication: We believe that communication is the heart and soul of our community-focused business.
- Cooperation: We work together to provide quality service.
- Fairness: Our commitment to policyholders is reflected in our fair and equitable practices.
- Honesty and Trust: These are the cornerstones of our relationships.
- Integrity: We consistently do the right thing, even when no one is watching.
- Respect: We earn respect through our trustworthy actions.
Our Services
As part of the Ontario Mutual Insurance Association and the Farm Mutual Reinsurance Plan, we offer a wide range of insurance products, including:
- Agribusiness Insurance: We protect farms of all sizes and types, ensuring that policyholders can continue their operations with peace of mind.
- Auto Insurance: We offer affordable and comprehensive auto insurance solutions for personal and commercial vehicles.
- Commercial Insurance: Our commercial insurance products are tailored to meet the unique needs of businesses in rural Ontario.
- Residential Insurance: We provide homeowners, tenants, and condo dwellers with insurance solutions that safeguard their homes and personal belongings.
Our History
In the late 19th century, fire insurance was expensive and difficult to find in rural Ontario. Recognizing this need, Duncan and Gardiner founded Usborne & Hibbert Mutual Fire Insurance Company to help their neighbours find stability and peace of mind. Today, we continue to offer protection through a variety of insurance products, backed by a financially strong organization with deep roots in the community.
Our Promise
At Usborne & Hibbert Mutual Fire Insurance Company, we promise to provide strength, stability, and expertise through our partnership with the Ontario Mutual Insurance Association and the Farm Mutual Reinsurance Plan. We are dedicated to serving our policyholders and community, ensuring a better future for all.
Summary of Reviews
The reviews highlight a poor experience with the insurance company, particularly with the claims adjustor. The author mentions that during a recent storm, their fence was damaged on both sides. When they contacted the adjustor, they were advised to replace the entire fence at their own cost, without discussing possible repairs. The adjustor's behavior was perceived as unprofessional, and the case was eventually closed without any compensation. The author questions the fairness of the insurance process and advises others to be cautious.
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