Quality coverage tailored to fit your needs and your budget. Every policy is written through a local independent agent who knows your town — and often, your road.
Homeowners
Your home is likely the biggest investment you’ll ever make. Our homeowners policies protect the house, what’s in it, and the people who live there.
- Homes
- Renters policies
- Personal property
- Back-up of sewers and drain systems
- Refrigerated food products
Farm & Hobby Farm
From a full working operation to a few acres and a barn, we’ve insured Minnesota farms since 1878 — and we know what they need.
- Homes & household personal property
- Farm outbuildings
- Farm personal property
- Farm extra expense
- Debris removal
- Leased, rented & borrowed farm machinery
- Fire department coverage
- Livestock
- Cab glass
Inland Marine
Life in lake country comes with gear. Inland marine coverage follows your toys and valuables wherever they go.
- Recreational vehicles — snowmobiles & ATVs
- Boats, motors, trailers & camper trailers
- Personal watercraft
- Guns & firearms
- Jewelry, fine arts & collectables
Liability
Accidents happen. Liability coverage protects you when they happen on your property — or because of it.
- Personal liability
- Farm liability
- Livestock & horse liability
- Watercraft & recreational vehicle liability
- Identity theft coverage
Frequently asked questions
Why do I need insurance?
Insurance provides peace of mind at the time of a loss and protects against financial devastation. Purchasing a home or farm is one of the biggest investments you’ll make — protecting that investment is what we do. Our number one goal is to help you recover when a loss happens.
How can I reduce my premium?
Check your policy deductible — increasing it will decrease your premium. Review whether any items are over-insured; reducing their value reduces the premium. And ask about supporting policy credits: writing your auto policy alongside your homeowners may entitle you to a discount.
I just suffered a loss to my property. What should I do?
First, do whatever is necessary — and safe — to prevent further damage. Then report your claim to your agent or the company immediately, with your contact information and the important details. Feel free to ask questions; we’re here to help you at the time of your loss. See the claims section on our Contact page for where to send your claim.
Ready for a quote?
A local agent will tailor coverage to your place and your budget.