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Kent & Essex

Let Us Help

New to Insurance?

If you’re new to the world of insurance, it can seem a bit daunting — but we’re here to make it easy. View our Insurance Roadmap to see how you can go from uninsured to part of the Kent & Essex Mutual Insurance community in just three steps.

Insurance Roadmap

Insurance That

Meets Your Needs

Kent & Essex Mutual Insurance has provided leading insurance protection to Ontario residents for over 130 years. Our insurance services, which include Auto, Home, Farm, and Commercial policies, safeguard your most valuable investments to help you navigate life with confidence.

Home Auto Commercial Farm

View Our Insurance Services

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Mutual Means

We’re in This Together

At Kent & Essex Mutual Insurance, the “Mutual” part matters. It means our #1 priority is giving back to our communities to create a better future for Ontarians. We’ve partnered with hundreds of local charitable organizations and supported countless community projects over the years — giving back is just what we do.

Our History Our Mutual Approach in Action

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Kitchen adorned with marble tops and brass furnishings

Client Testimonials

Our adjuster was prompt, courteous, and put us at ease right away. Everything was handled efficiently and got our home back to normal as quickly as possible. A pleasure to have such a great company behind you when you need them!

J & S, Chatham, ON

Policy Holders since 2003

When I had a smoke damage claim, Kent & Essex Mutual responded immediately. I was very happy with the quick response and great service I received. It’s when a claim happens that you really need your insurance company to be there for you. Kent & Essex proved they really do take care of their policyholders.

GL, Chatham, ON

Policyholder since 1994

Kent & Essex Mutual was very fair and reasonable, with great understanding when we had conversations on how we wanted things fixed. It took only a few days to finalize everything, and although we have heard many horror stories about other people’s house fires, our experience was as seamless as possible.

PW & MW, Wheatley, ON

Policyholders since 2020

We had a large insurance claim due to damage from a neighbour’s house, and we had an adjuster out the next day. They went above and beyond. Things were dealt with as quickly as they could be. As far as repairs and contractors were concerned, we were given options, and all the contractors were easy to deal with and helpful.

EK, Sombra, ON

Policyholder since 2014

In January of 2020, we had a devastating fire on our property. We reached out to Kent & Essex, who contacted us promptly and attended our property to greet us in person, ease our “Insurance Fears,” and walk us through the claim. Our broker was quick to return any correspondence, answer any question or explain anything on which we were unclear. We highly recommend Kent & Essex for anyone’s insurance needs.

BS, Harrow, ON

Policyholder since 1995

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Home Insurance, Loss Prevention Tips | Apr 20, 2023

7 Tips To Keep Your House Dry This Spring

After winter, it’s no wonder we welcome Spring with arms wide open – the warmer days, the chirping birds and the blooming flowers. However, along with these cheerful delights, Spring can also bring un…

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Fire Safety, Home Insurance, Loss Prevention Tips | Feb 07, 2023

House Fires Could Never Happen To Me… or Could They?

How many times have you heard of a house fire and thought: Oh, that could have been prevented but it could never happen to me? The truth is, there are many fire hazards lurking in your home that are o…

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Auto Safety Tips, Loss Prevention Tips | Jan 24, 2023

5 Tips To Drive Safely During Winter

Along with snow, ice and colder temperatures, winter also brings potentially dangerous driving conditions. Follow these tips to drive safely during the blustery season. 1. Practice Defensive DrivingSt…

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Meeting of Kent and Essex staff in board room

About

Kent & Essex Mutual Insurance

Kent & Essex Mutual Insurance Provider is based in Chatham, Ontario, delivering insurance protection to Ontarians since 1888. We are a local Canadian insurance company wholly owned by our policyholders — that’s where the “Mutual” part comes in. We do not have shareholders, and when the company is profitable, those profits are distributed to our members via a refund of surplus. We are a proud member of the Ontario Mutual Insurance Association and pride ourselves as a foundational pillar of the communities we serve.

See What We’re All About