Homeowners and Farm Insurance In The Chisago Lakes Area and Surrounding Counties

What good is homeowners insurance or a farm policy that covers fire, but not wind or hail damage? At Chisago Lakes Mutual Insurance Company, we asked ourselves the same question, and set about offering the most complete property coverage available to residents of the Chisago Lakes Area and the surrounding counties. If you’re dissatisfied with your current insurance coverage, we’re confident that we can do better for you! Call or visit our office to get a no-obligation quote.

In order to provide a complete home or farm insurance policy, we package our “fire” policies with two statewide mutual insurance companies: RAM Mutual & North Star Mutual. RAM and North Star provide the wind/hail liability and inland marine coverages. Together, Chisago Lakes Mutual and our packaging partners, RAM & North Star, offer a complete farm or home insurance package in one policy with many options to tailor your insurance protection to meet your needs.

Chisago Lakes Mutual is authorized to write polices in the following five counties:

  • Anoka
  • Chisago
  • Isanti
  • Pine
  • Washington

Over a Century of Service

Our Company was established by farmers in 1867 to provide fire insurance to its members. Over the years, the name of the company has changed and the product line has extended beyond just fire insurance. In addition to coverage for fire, we provide for other perils such as theft, vandalism, lightning, water & sewer back up, power surge, etc.

Chisago Lakes Mutual Insurance Company is a member in good standing with many prestigious trade associations, including the Minnesota Association of Farm Mutual Insurance Companies and the National Association of Mutual Insurance Companies. 

Customized Insurance & Hands-On Approach

Have you ever dealt with an insurance agent who didn’t seem to have the first clue about your life and its day-to-day challenges? Chisago Lakes Mutual Insurance Company will feel like a breath of fresh air. We offer farm and homeowners insurance packages customized to your personal needs. 

Our manager oversees the day-to-day operations of our office personally. We take pride in getting to know each and every one of our clients on a first-name basis!

Contact one of our independent insurance agents in Lindstrom, North Branch, Scandia ,or Wyoming. Call today for a quote!

Annual Meeting

Our annual business meeting is held on the second Saturday in February each year. Policyholders will be notified of the time and location of the meeting via a mailing approximately 2-3 weeks prior to the meeting date. All directors, staff, agents, and policyholders are encouraged to attend.

Members seeking nominations for election to the Board of Directors must submit their names in writing to Secretary of the Board of Directors no more than 90 days and at least 30 days prior to the date of the annual meeting. Nominations from the floor for election to the Board of Directions will not be accepted.


Each year, Chisago Lakes Mutual offers several $750 scholarships which are available to our policyholders or their dependents. Applications are available in February and must be postmarked by April 1. Click the hat below to download the application.

Apply Now

Call us today: (651) 433-4805