"Continuous Service Since 1898"

Phone: 320.573.2151
Toll Free: 1.888.ELMDALE

Farm & Farm Property

Established by a group of local farmers in 1898, Elmdale Farmers Mutual thoroughly understands the insurance needs of all types of farmers located throughout central Minnesota.

Learn More


There is no place like home. A well written homeowners insurance policy developed and backed by Elmdale Farmers Mutual can protect the physical structure, as well as your belongings inside.

Learn More


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. Elmdale Farmers Mutual packages insurance with North Star Mutual to provide the liability insurance you need to protect your assets.

Learn More


Residing in the land of Lakes, forests, and four distinct seasons enables us to enjoy nearly every recreational activity. And many of those activities include "toys". Elmdale Farmers Mutual offers policies that include Inland Marine Insurance to keep your unique property covered.

Learn More

Welcome to Elmdale Farmers Mutual Insurance Inc

Elmdale Farmers Mutual Insurance has been standing beside farmers and homeowners in central Minnesota for more than 120 years, providing them with low rates, prompt and fair claim service, and professional advice on various insurance needs.

  • Proudly serving 15 counties throughout central Minnesota
  • Our insurance products are exclusively sold through local, independent insurance agencies
  • Providing leading coverage in the areas of home and farm insurance
  • Our stable financial status, over a billion dollars of insurance in force, enables us to protect your financial stability in the case of a loss
  • Maintain a FREE Inspection Program for our policyholders to encourage loss prevention
  • Our policyholders are our owners

Friendly, personalized service has been a part of our company since the beginning, dating back to 1898. To be in business that long, you have to be doing something right. Give us a call to learn just what that something is, you will be glad you did.

Coordination & Collaboration

The following burn videos were made by employees of Elmdale Farmers Mutual. While it is not done to the standards of testing laboratories, we tried to portray a "normal" fire that could occur in a dwelling if there is some clutter. The video is meant to show how rapid the fire can progress without fire resistant covering. It also shows how a fire resistive covering will slow the spread. Of particular interest is the volume of thick black smoke that is generated with the uncovered styrofoam. This video does not portray any particular brand of insulation as good or bad.

Protected Styrofoam

Unprotected Styrofoam

Professional Affiliations

NAMIC - National Association of Mutual Insurance Companies MAFMIC - Minnesota Association of Farm Mutual Insurance Companies

Safety Tip Center

Visit Complete Safety Tip Center