Visit or write
Unity Mutual Insurance Company
204 Red River Ave. South
PO Box 438
Cold Spring, MN 56320
Call
Office: 320-685-8186
Toll-free: 888-765-4684
Our team is happy to help with policies, billing, and claims questions.
Need to report a claim?
First, do whatever is necessary — and safe — to prevent further damage. Then report the claim right away. Depending on the type of loss, your claim goes to Unity Mutual or to one of our reinsurance partners:
Unity Mutual
- Fire, lightning & smoke damage
- Explosion & aircraft
- Glass breakage
- Theft, vandalism & malicious mischief
- Riot / civil commotion
- Refrigerated foods
RAM Mutual
- Windstorm & hail damage
- Building collapse / weight of ice & snow
- Water leaking in dwelling roof
- Equipment breakdown & service lines
- Inland marine items
- Liability claims
North Star Mutual
- Windstorm & hail damage
- Building collapse / weight of ice & snow
- Water leaking in dwelling roof
- Equipment breakdown & service lines
- Inland marine items
- Liability claims
Not sure which applies? Call your agent or the Unity Mutual office — we’ll point you the right way.