Barn, Out Buildings & Silo - Protecting Your Structures Family Farm - Protecting Your Farming Operation Harvesting Grain - Protecting Your Farming Equipment. Rural Minnesota Home - Protecting Your Home

Contact Us

Mid-State Mutual Insurance
116 2nd Ave NW
PO Box 218
Waseca MN 56093

Phone: 507-835-3570
Fax: 507-835-3673


Hours of Operation
Monday - Thursday: 7:30am - 4pm
Friday: 7:30am - 12pm (Noon)


Coverage Area

Insurance Coverage Area | Providing Insurance Writing Services in 20 Southern Minnesota Counties

  • Farm
  • Homeowners
  • Inland Marine
  • Liability

Farm Insurance

Our century-old insurance company was founded by farmers to serve farmers. As such, we have a deep understanding of their unique insurance needs and have decades of experience tailoring policies to meet the demands of rural Minnesota farm owners.


Whether yours is a small family farm or a large commercial farming operation, Mid-State Mutual Insurance Company has the assessment tools, experience and background required to develop a comprehensive policy to meet your needs. Our farm insurance policies keep your property and assets covered against unforeseen perils like wind, hail and fire.

Farm Insurance that covers:

  • Livestock
  • Grain
  • Replacement Cost on Outbuildings & Structures
  • Owned, Rented or Leased Farm Equipment
  • Personal Property
  • Residence

As a Minnesota founded insurance company and as Minnesota residents ourselves, we know how vulnerable your farming operation is to our unpredictable weather events – baseball sized hail, straight-line winds, etc. A farm insurance policy developed by one of our agents is one of your best defenses against unforeseen damage or loss. Contact an agent to review or update your existing policy or to have a detailed quote prepared to meet your needs.


Mid-State Mutual Insurance Company writes farm insurance polices throughout 20 Southern Minnesota counties, including:

  • Blue Earth
  • Brown
  • Carver
  • Dakota
  • Dodge
  • Faribault
  • Fillmore
  • Freeborn
  • Goodhue
  • Le Sueur
  • Mower
  • Nicollet
  • Olmsted
  • Rice
  • Scott
  • Sibley
  • Steele
  • Wabasha
  • Waseca
  • Winona

Homeowners Insurance

Your home is probably going to be the single largest and most important investment you ever make in your lifetime. Following that should be the insurance plan you choose to protect it.


At Mid-State Mutual Insurance Company we understand that your home isn’t just a building constructed of lumber and sheetrock, it’s a place where you relax, a place where memories are made, and a place where you raise your children. That’s why we provide a wide range of homeowners polices – offering protection for traditional single-family homes.


Whether it’s theft, fire, wind, or extended coverages, our comprehensive Homeowners Insurance can protect not only the outside structure but also your valued possessions inside. From your first home to your dream home, let Mid-State Mutual Insurance Company help you protect your investment.

Inland Marine Insurance
  Covering High Value Property

In some cases it is obvious that insurance coverage is needed, but it may not be quite as clear as to what type of insurance is actually required. In many of these cases the answer is Inland Marine Insurance, a coverage specially designed for high value property. At Mid-State Mutual Insurance Company we offer inland marine coverage to protect your property while it’s in transit and to protect those high-value items that are extremely mobile.


Often times people don’t even realize the number of valuable belongings they actually own, that’s where we come in. Our agents are skilled at asking the right questions, making certain that everything that needs coverage is covered.

Liability Insurance

Whether you need farm liability or personal liability there are many factors that should be taken into consideration.  Contact one of our agents for your liability needs.