https://www.elmdalemutual.com/home daily 1.0 2026-02-27 https://images.squarespace-cdn.com/content/v1/61df8ae98f41900954e857ca/1642045517404-KB2937MZ1YDWDZYQB0M1/unsplash-image-rgJ1J8SDEAY.jpg Home https://images.squarespace-cdn.com/content/v1/61df8ae98f41900954e857ca/1642045544672-8M7S6ZOVRA09UP1FE5BV/unsplash-image-vpfEhvI5UE4.jpg Home https://images.squarespace-cdn.com/content/v1/61df8ae98f41900954e857ca/1642045569944-L20YVKEONM6PE1G5C6IZ/unsplash-image-n95VMLxqM2I.jpg Home https://images.squarespace-cdn.com/content/v1/61df8ae98f41900954e857ca/1642045613059-N9IW5FC7KJ6LRJ611A3P/unsplash-image-4x-67z_TaGo.jpg Home https://images.squarespace-cdn.com/content/v1/61df8ae98f41900954e857ca/f0902128-810e-401a-bb39-302279804ba5/unnamed.jpg https://images.squarespace-cdn.com/content/v1/61df8ae98f41900954e857ca/355a3c16-dfe8-4968-99c1-03093c990d80/DJI_0401.jpg Home - Proudly Protecting for 125 YEARS AND COUNTING!! Over a century of farmer helping farmer and neighbor helping neighbor. https://www.elmdalemutual.com/about-us daily 0.75 2026-02-27 https://images.squarespace-cdn.com/content/v1/61df8ae98f41900954e857ca/4fa0c257-cc37-46d6-811c-bef21e2a5a05/DJI_0406.jpg OUR STORY - A History of Farmer Helping Farmer and Neighbor Helping Neighbor Elmdale Farmers Mutual Insurance Incorporated first originated in 1898 as the Farmers Mutual Insurance Company of Elm Dale, Minnesota (what is now known as Elmdale, MN). The company was formed on December 28, 1898 when a group of 27 farmers met at the town hall in Elm Dale. These individuals banded together for the stability of each other, the stability of their neighbors, and the overall stability of their local communities and villages. As an insurance mutual, the company was owned entirely by its policyholders — which still remains true today. What this means is that we do not respond to investors looking for a dividend. Rather, we price our insurance to maintain a stable rate and provide the customer with the best possible premium value. https://images.squarespace-cdn.com/content/v1/61df8ae98f41900954e857ca/4fa0c257-cc37-46d6-811c-bef21e2a5a05/DJI_0406.jpg OUR STORY - A History of Farmer Helping Farmer and Neighbor Helping Neighbor When people work together great results are achieved, Elmdale Farmers Mutual is one of those great results. Elmdale Farmers Mutual Insurance Incorporated first originated in 1898 as the Farmers Mutual Insurance Company of Elm Dale, Minnesota (what is now known as Elmdale, MN). The company was formed on December 28, 1898 when a group of 27 farmers met at the town hall in Elm Dale. These individuals banded together for the stability of each other, the stability of their neighbors, and the overall stability of their local communities and villages. As an insurance mutual, the company was owned entirely by its policyholders — which still remains true today. What this means is that we do not respond to investors looking for a dividend. Rather, we price our insurance to maintain a stable rate and provide the customer with the best possible premium value. https://www.elmdalemutual.com/services-2 daily 0.75 2022-05-05 https://images.squarespace-cdn.com/content/v1/61df8ae98f41900954e857ca/1647548616443-E2W90ORUO85C0RJF4V3D/unsplash-image-bjej8BY1JYQ.jpg SERVICES - Homeowners 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 https://images.squarespace-cdn.com/content/v1/61df8ae98f41900954e857ca/1647548647560-ZWUSJLFR0MIXAEFRVBLP/unsplash-image-dDc0vuVH_LU.jpg SERVICES - 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. https://images.squarespace-cdn.com/content/v1/61df8ae98f41900954e857ca/1642040042065-0OEUR50GK3F8ATR4OC0T/unsplash-image-loeqHoa1uWY.jpg SERVICES - 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 https://images.squarespace-cdn.com/content/v1/61df8ae98f41900954e857ca/1651709646235-FFLRGXU1L26Y8VL0Q5BV/unsplash-image-_Wmr8-Qu2PQ.jpg SERVICES - 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 https://www.elmdalemutual.com/policy-holder-resources daily 0.75 2025-09-02 https://images.squarespace-cdn.com/content/v1/61df8ae98f41900954e857ca/1651782426300-4ECEHBTYTWDUG84TPUUL/unsplash-image-gf8e6XvG_3E.jpg https://images.squarespace-cdn.com/content/v1/61df8ae98f41900954e857ca/438e712a-af23-4739-949e-9c906bc7978f/Flyer.jpg https://www.elmdalemutual.com/agency-locator daily 0.75 2026-02-27 https://images.squarespace-cdn.com/content/v1/61df8ae98f41900954e857ca/35f2a63d-d37f-43a5-9938-874a1d54bc2e/outline-mn-1400w.22png.png AGENCY LOCATOR - Agent Locater: Serving Central Minnesota As a mutual insurance company, our insurance products are exclusively offered through local independent insurance agents. We carefully select each of the agencies that represent our company, ensuring that they maintain the same value on customer-service as we have for the last 120 years. Elmdale Farmers Mutual is proud to be represented by independent agents and independent insurance agencies found throughout central Minnesota. We feel these types of insurance agents have a stronger connection to their communities — and in turn a strong connection to you, their customer and often friend, neighbor, or family member. Currently, Elmdale Farmers Mutual proudly serves 15 Minnesota counties, including the cities, villages and boroughs located within those counties: Benton, Cass, Crow Wing, Douglas, Grant, Kandiyohi, Meeker, Morrison, Otter Tail, Pope, Sherburne, Stearns, Todd, Wadena, and Wright. https://www.elmdalemutual.com/contact-us daily 0.75 2026-02-27