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Your Trusted Local Insurance Partner in St. Clair, MN
Founded in 1881, our company has served communities for over 140 years, prioritizing policyholder needs through personalized insurance solutions. As a mutual insurance company owned by our policyholders, we maintain a community-driven approach with local agents and board members elected from the communities we serve. Our commitment to fair claims processing and affordable coverage remains rooted in the original vision established over a century ago. We specialize in home, farm, and liability insurance tailored to diverse needs, including renters, seasonal homeowners, and agricultural operations. Our local agents provide one-on-one service, ensuring clients receive timely assistance and comprehensive risk management strategies.With a long-standing reputation for integrity and neighborly support, we continue to grow while maintaining our home office in St. Clair, Minnesota. Our team combines decades of experience with a dedication to evolving with modern insurance demands while preserving traditional values. We believe in transparent communication and building lasting relationships with policyholders who actively shape our company's direction. Our partnerships with leading insurance providers enhance our ability to deliver reliable coverage across multiple sectors. Through mergers and organic growth, we have expanded to over $1 billion in insurance in force while retaining our local focus and personalized service model.
Services
Homeowners Insurance
Liability Insurance
Inland Marine Insurance
Farm Insurance
Renters Insurance
Condominium Insurance
Rental Home Insurance
Seasonal Home Insurance
Personal Property Insurance
Machinery Coverage
Highlights and features
- We are a policyholder-owned mutual insurance company serving local communities since 1881
- Our local agents provide personalized insurance solutions tailored to individual needs
- We maintain a 140-year legacy of fair and timely claims service
- Our board members and officers are elected from the communities we serve
- We offer specialized coverage for farms, seasonal homes, and rental properties
Services
Homeowners Insurance
Our homeowners insurance protects primary residences against common risks including fire, theft, and weather damage. We cover both structure and personal property, offering customizable policies for different home types. With options for replacement cost coverage and additional endorsements, our policies ensure comprehensive protection for your primary residence.
Farm Insurance
Farm insurance protects agricultural operations with coverage for farmhouses, equipment, livestock, and outbuildings. Our policies address unique risks like crop damage, machinery breakdowns, and liability claims. We offer customizable coverage for both small family farms and large commercial operations across Minnesota.
Liability Insurance
Liability insurance covers legal claims for property damage, bodily injury, or personal injury. Our policies protect individuals and businesses from financial losses due to lawsuits or settlements. We offer customizable limits and endorsements to address specific risk exposures for homeowners and business owners.
Renters Insurance
Renters insurance protects personal belongings in leased properties against covered perils like fire, theft, and water damage. Our policies include liability protection and additional living expenses coverage. We offer affordable options for apartment dwellers and seasonal renters with flexible policy terms.
Inland Marine Insurance
Inland marine insurance covers high-value movable property transported over land. Our policies protect items like construction equipment, valuable papers, and business property in transit. We offer specialized coverage for unique assets not typically included in standard insurance policies.
People
Chris Langworthy
Manager
Chris Langworthy has served as Manager since July 2025, overseeing daily operations and strategic direction at our St. Clair office.
Kristen Curry
Underwriter
Kristen Curry joined our team in 2024 as an Underwriter, specializing in policy development and risk assessment for residential and commercial clients.
Dusty Mueller
Inspector/Adjuster
Dusty Mueller has worked as Inspector/Adjuster since June 2020, handling claims assessments and property inspections across our service areas.
Dale Westphal
President
Dale Westphal serves as President of our board, representing Janesville and guiding corporate governance and strategic initiatives.
Bill Minks
Vice-President
Bill Minks acts as Vice-President, representing Minnesota Lake on the board and contributing to policy decisions and community engagement efforts.
Questions
What types of insurance do you offer?
We offer home insurance, farm insurance, liability insurance, inland marine insurance, and coverage for renters, condominiums, and seasonal homes.
Are you locally owned?
Yes, we're a mutual insurance company owned by policyholders with local board members elected from the communities we serve.
Do you cover agricultural properties?
Yes, we specialize in farm insurance covering residences, equipment, livestock, and outbuildings for Minnesota farmers.
What payment methods do you accept?
Please contact our office directly for current payment options and billing arrangements.
How do claims work?
Report claims promptly through your local agent or office for immediate assistance and fair processing by our experienced adjusters.
