Family Home Mutual Insurance

Mutual Fire Insurance is owned by our members, not shareholders. People, not profits, are our priority which means when you are part of a mutual insurance company, you become part of a community.


Become a member of Mutual Fire Insurance and part of the community of a growing business. Enjoy these benefits:

  • Attend the Annual General Meeting and any Special Meetings.
  • Receive voting rights on resolutions that affect the company.
  • Nominate or accept a nomination to become a Director on the Board.
  • Receive a premium refund, if so declared by the Board of Directors.


Want to have a real say at your mutual insurance company? It’s ownership that makes a difference.

  • Contact your local Mutual Fire Insurance broker partner to learn more. Our network of partners has over 500 offices in cities and towns across Canada, you’re sure to find one near you.
  • Ask about membership, it’s a $15 annual fee.


I have paid $15.00 for my membership fee, but what happens if I have more than one policy?

Your premium refund will be based on the total combined earned premiums of all your Mutual Fire Insurance policies for that year. In the event more than one company is providing your insurance and the policy is issued by Mutual Fire Insurance, the refund will be based on the Mutual Fire Insurance portion.

How do you calculate the amount of premium refund returned to a member?

Each member’s proportionate share (%) of the total amount of member premiums, will equate to their proportionate share (%) of the premium refund pool.

How long do I have to be a member to qualify for a refund?

The member must have a premium note (your membership fee) in place for one year prior to the fiscal year-end to be eligible for a refund. The membership must be continuous and must have been in effect on the last day of the fiscal year.

I am a member, how do I become a Director on the Mutual Fire Insurance Board?

A fellow member must put forward a nomination for you to be a member, which will then be considered and voted on at the AGM.

Am I eligible to be a Director on the Board regardless of the province I live in?

Yes, if you are currently a member and can meet the duties and requirements required of a Director on the Board you are eligible.