Yarmouth Mutual Insurance Company

Yarmouth Mutual Insurance Company Since 1881, Yarmouth Mutual has been supporting families across Elgin County with insurance.

Since 1881, generations of families from across Elgin County have trusted Yarmouth Mutual for a full range of insurance solutions. When choosing the insurance company that is right for you, consider a mutual insurer. As a mutual insurance company, Yarmouth Mutual is owned by its policyholders; therefore, we act solely to deliver insurance at the lowest possible cost. And unlike our competition, we

’re people-centered, not call centered. We’re dedicated to providing our policyholders with competitively priced insurance products and services, customized to suit every insurance need. Our agents and brokers deliver helpful, friendly service, with the familiar faces of people who live, work and play right here in your community.

IMPORTANT AUTO INSURANCE UPDATE!Big changes are coming to who is covered under your policy’s optional accident benefits....
06/08/2026

IMPORTANT AUTO INSURANCE UPDATE!

Big changes are coming to who is covered under your policy’s optional accident benefits.

As of July 1, 2026, these optional benefits will ONLY apply to:

- The named insured and their spouse
- Dependants of either
- Persons specified as drivers on the policy

What this means: Pedestrians, cyclists, and certain passengers may no longer be eligible for these optional benefits under your specific policy.

There’s nothing like the smell of fresh baking to start a Saturday morning. If you run a home baking business, make sur...
06/06/2026

There’s nothing like the smell of fresh baking to start a Saturday morning. If you run a home baking business, make sure you have the right commercial liability coverage in place to protect your passion!

Do you know what you’re paying for on your auto insurance? Starting July 1st, Ontario auto insurance is moving to a flex...
06/05/2026

Do you know what you’re paying for on your auto insurance?

Starting July 1st, Ontario auto insurance is moving to a flexible system, meaning several benefits that used to be standard will now become OPTIONAL.

Here is what will no longer be automatically included in your base policy:

- Income Replacement: Pays a weekly amount if an accident keeps you from working.
- Non-Earner Benefits: Provides financial support if you don’t earn a salary but can no longer complete your daily routine.
- Caregiver Benefits: Helps cover childcare or relative care costs if you’re injured and can’t provide your usual unpaid care.
- Housekeeping & Home Maintenance: Pays for hired help to manage chores, yard work, and upkeep while you heal.


What does this mean for you? If you already have excellent health or disability perks through your employer, you might want to opt out of some of these to lower your premium. If you are self-employed or have dependants, you will likely want to keep them active!

Wondering what’s STAYING mandatory with the July 1st auto reform?While many benefits are shifting to optional, your base...
06/04/2026

Wondering what’s STAYING mandatory with the July 1st auto reform?

While many benefits are shifting to optional, your base policy will still automatically include:

- Medical & Rehabilitation: Covers essential recovery needs like doctor visits, chiropractic care, and physiotherapy.
- Attendant Care: Pays for personal care assistance for daily activities, such as bathing and dressing.
- Cost of Examinations: Remains a built-in inclusion to help assess your injuries.

While these base coverages are mandatory, you always have the option to purchase higher limits for extra peace of mind!

Want to review your current limits before the changes take effect? Give us a call today.

Planning some DIY home improvement this summer? Whether it’s a full kitchen redesign or a bedroom refresh with sleek mar...
06/03/2026

Planning some DIY home improvement this summer? Whether it’s a full kitchen redesign or a bedroom refresh with sleek marble contact paper, make sure your home insurance reflects your upgrades. A modernized space can sometimes affect your home’s replacement cost!

Summer is almost here in Middlesex County and London! Whether you’re hitting the local trails or heading to a farmers ma...
06/02/2026

Summer is almost here in Middlesex County and London! Whether you’re hitting the local trails or heading to a farmers market, we hope you enjoy the beautiful weather. What is your favorite local spot?

The countdown is on! Starting July 1, 2026, Ontario auto insurance is changing to allow for more flexibility. Many statu...
06/01/2026

The countdown is on! Starting July 1, 2026, Ontario auto insurance is changing to allow for more flexibility. Many statutory accident benefits that are currently mandatory will become optional. We’ll be sharing updates all month long to ensure you are ready!

Starting July 1, 2026, Income Replacement benefits are moving from standard to optional. This is a big part of the new O...
05/30/2026

Starting July 1, 2026, Income Replacement benefits are moving from standard to optional. This is a big part of the new Ontario Auto Reform, and it’s all about giving you more control.

What is it? If you’re unable to work due to an auto accident, this benefit provides a weekly payment to help cover your bills while you recover.

Why the change?

- Already covered? If you have a great disability plan through your employer, you might choose to opt out of this on your auto policy to save on your premium.
- Self-employed or no work benefits? You’ll likely want to keep this protection active to ensure your household stays afloat if you’re sidelined.

Our Advice: Check your workplace benefits first! Then, give your Yarmouth Mutual agent a call. We’ll help you decide if opting in is the right move for your peace of mind.

At Yarmouth Mutual, we don’t have outside shareholders. Our company is owned entirely by you—our policyholders.Because o...
05/29/2026

At Yarmouth Mutual, we don’t have outside shareholders. Our company is owned entirely by you—our policyholders.

Because of this unique structure, when the company experiences a financial surplus, that success stays within our community. This mutual advantage can lead to:

- Premium Refunds: In strong years, we have the ability to return surplus funds directly back to our members.
- Competitive Rates: Success helps us keep your premiums stable and affordable.
- Community Investment: We reinvest in local Elgin County projects that matter to you.

Being a member means you aren’t just a policy number; you’re a part-owner of a local success story.

The Ontario Auto Reforms are almost here. Now is the perfect time to make sure your coverage still fits your life and yo...
05/28/2026

The Ontario Auto Reforms are almost here. Now is the perfect time to make sure your coverage still fits your life and your budget.

The next step is easy: Give us a call!

As a Yarmouth Mutual member, you don’t have to figure this out alone. We’ll walk you through the new options and help you customize a policy that’s right for you.

Don’t leave it to the default—make it your choice. Contact your agent today!

Address

1229 Talbot Street
Saint Thomas, ON
N5P1G8

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:30pm

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