"Continuous Service Since 1898"

Phone: 320.573.2151
Toll Free: 1.888.ELMDALE

Policyholder Resources: Here to Make Insurance Easier

You have insurance questions, Elmdale Farmers Mutual has answers. For seasonal and daily safety tips related to your home and farming visit our Safety Tip Center. For insurance industry information try our Helpful Links. For steps on how to handle a claim see our Claims Center. To be proactive about loss prevention consider our Inspection Program. And last but definitely not least, you can always contact us directly with your questions and concerns — 320-573-2151.

Pay Online!

Elmdale Farmers Mutual offers you the convenient option of paying your insurance premium online — pay with a credit card, debit card, checking account, or savings account.

Other Ways to Pay

Mail a Check

Elmdale Farmers Mutual Insurance
PO Box 250
Upsala, MN 56384

Call the Office

Call our office and pay with a credit card over the phone… 320-573-2151 or
1-888-ELMDALE (356-3253).


Claims Center

Elmdale Mutual is committed to providing fast, respectful and courteous claims service.

To report a claim, call your agent and report the claim to them. They will in turn report to us and our company adjuster will respond to you as soon as possible.


Inspection Program

Elmdale Farmers Mutual maintains a Property Inspection Program to act as an extra set of eyes for your home or farm. See below to learn more about this effective yet easy risk management tool.

We take the approach that we are an extra set of eyes. We look for things that increase your chances of having a loss and provide suggestions on how to correct any issues. If we can prevent losses, it is better for you and Elmdale both.

In short, yes. Our commitment to you is that we act in a professional and courteous manner. Our main objective is to help you prevent loss.

There is no charge to you. However, there are some premium discounts available if you qualify.

In general, we find hazards in electrical wiring, wood heating systems, general maintenance and cleaning, difficult dogs, etc.

Often times, we discover things that are a hazard to you or others that you may not have noticed.

Many customers have no problems at all.

Elmdale Mutual has had an inspection program in place for many years. We have uncovered countless problems that would have resulted in a claim.

If we continue to prevent losses, we can keep your premiums as low as possible.

In addition to this, you may qualify for credit on your premium if the inspection is favorable, and corrections are done in a timely manner.

Our inspector is Rick Pogatschnik. He can be reached by contacting our office at 320-573-2151 or by calling his cell phone at 320-630-1686.

We inspect all new business within 60 days. We also inspect existing customers' property. We will send a letter notifying you that we wish to inspect your property and we will call to schedule an appointment. You may also call the home office to schedule an inspection… 320-573-2151.


Solid Fuel / Wood Burning

Because different wood burning devices have different rules for clearance around them, we ask that you call the home office and speak with our Inspector (Rick Pogatschnik) in regard to your plans. Many times it is easier to do it correctly the first time than to re-do it after you have installed it.

Please contact the home office for answers to installing new wood / solid fuel burning devices. Generally, we do NOT recommend placing outdoor burners within 50 feet of outbuildings.


Helpful Links

As with anything, knowledge is power, the same is true when it comes to insurance. Below are links that we hope you will find helpful.