"Continuous Service Since 1898"

Phone: 320.573.2151
Toll Free: 1.888.ELMDALE

The Product Lines Offered by Elmdale Farmers Mutual

Home | Farm | Liability | Optional Coverages

Large, modern single family home out in the country on a wood property with well maintained lawn and landscaping | Homewoners Insurance Large, modern single family home out in the country on a wood property with well maintained lawn and landscaping | Homewoners Insurance

Homeowners Insurance

There is no place like home, especially the one you have chosen or built for your family. Elmdale Farmers Mutual understands that a lot gets invested into a home-time, money, and emotion. And once you are moved in, your personal belongings become an integral part of that home.

Homeowners insurance is about protecting those investments; protecting not only the structure, but also the possessions found in it. A well written insurance policy developed and backed by Elmdale Farmers Mutual can provide that protection in case of a loss.

Our Homeowners Policies offer complete property and liability protection.

  • Homes
  • Renters
  • Personal Property
  • Back-up of Sewers and Drain Systems
  • Refrigerated Food Products
  • Outbuildings
  • Identity Fraud Expenses

Coverages available:

  • Fire and Smoke
  • Lightning Strikes
  • Wind and Hail
  • Explosions
  • Water Damage (resulting from something other than a flood)
  • Vandalism and Theft
Collage of photos showing a tractor and machinery, crop storage shed, and rural family farm | Farm and Farm Property Insurance Collage of photos showing a tractor and machinery, crop storage shed, and rural family farm | Farm and Farm Property Insurance

Farm & Farm Property Insurance

Established by a group of local farmers over 120 years ago, Elmdale Farmers Mutual thoroughly understands the insurance needs of central Minnesota farmers. Whether you live and work on a family farm, run a commercial dairy operation, maintain a crop-centered agri-business, or own an alternative farming corporation, you are a farmer and we are here to protect you.

Our comprehensive farm insurance policies allow you to go about your day-to-day chores with the piece-of-mind in knowing that your farming assets, business, and home are covered in the event of a loss.

Much of farming is at the mercy of Mother Nature. Fortunately, even in the worst of circumstances, a strong risk management program overseen by Elmdale Farmers Mutual will allow you to continue on with your farming livelihood while providing financial stability.

The coverage offerings with our Farm Insurance Policies include:

  • Farm Outbuildings – Barns and Structures
  • Farm Personal Property
  • Livestock
  • Livestock Confinement Coverage
  • Machinery Coverage / Cab Glass
  • Dwellings / Homes
  • Household Personal Property
  • Identity Fraud Expenses

Providing insurance coverage for:

  • Fire
  • Lightening
  • Wind
  • Hail
Business man with outstretched hand for a handshake | Liablity Insurance Business man with outstretched hand for a handshake | Liablity Insurance

Liability Insurance

Liability insurance is critical in situations when someone becomes injured on your property or as the direct result of something you did or did not do.

Liability Insurance policies may be available for the following:

  • Personal Liability
  • Farm Liability
  • Livestock Liability
  • Horse Liability
  • Watercraft Liability
  • Recreational Vehicle Liability – Snowmobile, ATV, UTV, Boat
  • Home Based Business Liability
Collage of photos showing an ATV, SLR camera, snowmobile, boat, and wedding ring | Optional Coverages - Inland Marine Insurance Collage of photos showing an ATV, SLR camera, snowmobile, boat, and wedding ring | Optional Coverages - Inland Marine Insurance

Optional Coverages
Inland Marine Insurance

For those who may not have a great understanding of what inland marine insurance is, in general it is coverage for property that is movable or transportable in nature and that is not commonly covered by other insurance policies.

When you have an expensive jewelry or gun collection, own a boat or jet ski, or purchase another type of recreational vehicle, Inland Marine Insurance packaged with an Elmdale Mutual policy should be part of your overall risk management plan. Contact one of our independent insurance agents to learn more.

Inland Marine Insurance policies can be written to cover:

  • Watercraft
  • Recreational Vehicles – ATVs, UTVs, Snowmobiles
  • Jewelry
  • Boats, Motors, and Trailers
  • Personal Watercraft – Jet Ski
  • Guns
  • Fine Arts / Collectibles
  • Camper Trailers