Personal Insurance

Life happens when we least expect it. That’s why it’s important to protect yourself from accidents and surprises. We’ll help you create an insurance package that fits your needs and keeps you covered no matter what life has in store for you.

100+

Full-service insurance advisors, account managers and claims specialists

42,000+

Personal, commercial and agricultural policies currently in effect

30

Bremer office locations throughout Minnesota, North Dakota and Wisconsin

Home Insurance

Your home is supposed to be a place where you always feel safe and comfortable. That’s why you deserve to have the peace of mind that you’re always protected from the unexpected — such as storms, fire, theft and accidents. Most mortgage lenders require comprehensive homeowners insurance, and your insurance advisor will help you choose the right coverage for wherever you call home.

In the event that you need to file a claim, our account managers and claims specialists will help you navigate the claims process to reach a resolution quickly and without hassles.

Renters Insurance

Just because your landlord has coverage doesn’t mean that you do too. The property might be covered for structural or mechanical damage, but you wouldn’t be reimbursed for any lost possessions. Renters insurance not only covers the things you love but also protects you in the event that you cause damage to the property or someone is injured inside your rental space.

You can protect yourself and your stuff for about the same cost as going to the movies once a month, so talk to your insurance advisor to explore the renters insurance plans that make sense for you.

Vehicle Insurance

They’re called accidents for a reason. Even when we’re driving safely, following the rules and watching out for other drivers, things happen. That’s why it’s important to make sure you’re covered for vehicle damage and any accident-related medical costs for yourself, your passengers and even the other driver.

Your insurance advisor can walk you through the different coverage options and premiums for your preferred mode of transportation — car, motorcycle, boat, ATV, snowmobile, personal watercraft and more.

Life Insurance

You want to make sure your family is taken care of if something happens to you. A life insurance policy protects your family from sudden financial hardship, and it can also help in estate or business succession planning. Depending on your needs, your insurance advisor will walk you through the difference between term life insurance, whole life insurance, universal life insurance, variable life insurance and survivorship policies to help you understand your options and select the right coverage for you and your loved ones.

Health Insurance

With so many personal health insurance plans available, it can be hard to choose the right one for you. If you aren’t currently enrolled in a group health insurance policy through your (or your spouse’s) employer, we’ll connect you with our health insurance partners who can help you find individual, family or supplemental Medicare coverage.

Disability Insurance

Don’t let bills and daily expenses pile up if an unexpected injury or illness prevents you from working. Disability insurance replaces a portion of your regular income so that you can focus on getting back on your feet. Your insurance advisor can help you decide if your employer-provided coverage is enough or if it makes sense to add an extra safety net.

Long-Term Care Insurance

For some of us, there comes a point when we’re not able to live independently anymore — either due to illness, physical injuries or mental conditions. Long-term care refers to a variety of medical care, personal assistance and social support services for people who aren’t able to care for themselves for an extended period of time. Whether you need long-term care insurance depends on your age, health status, overall retirement goals, income and assets. Your insurance advisor can assist you with coverage options, potential tax advantages and how a policy can help you protect your financial future.

Umbrella Insurance

Even the best insurance plans might not cover everything. An umbrella insurance policy helps you fill the gaps in your other personal insurance policies, such as adding flood coverage to your homeowner's policy or theft coverage to your auto policy. Your insurance advisor will work with you to review your current policies, coverage limits and exclusions, then make recommendations for umbrella coverage.