Neighbors Helping Neighbors, Since 1881

At Owatonna Mutual Fire Insurance Company, we truly care about our communities and the wonderful people who call them home. As a mutual company, we’re owned by our policyholders—neighbors who elect fellow community members to serve as officers and board members. That means every policyholder has a voice in how we operate.
When you work with us, you’re not just choosing an insurance company—you’re choosing people who live, work, and grow right alongside you. We take pride in being personable, honest, and always willing to meet face-to-face whenever we can. We also know how important fast responses and real support are, especially when you need help right away.
By partnering with our independent agents, you’re joining a family, and we’re committed to taking care of you like one of our own.

We’re a hometown company ready to support you when unexpected disasters occur.
Our goal is to offer cost-effective insurance and outstanding customer service.

We’re a hometown company ready to support you when unexpected disasters occur. Our goal is to offer cost-effective insurance and outstanding customer service.

Tailored insurance solutions to protect your home, farm, and property from life’s unexpected events.
We serve our neighbors with integrity, transparency, and a deep understanding of local needs.
Our experienced agents and staff offer hands-on, one-on-one support—no call centers, no hassle.
With over 125 years of experience, we’ve stood the test of time and helped generations of Minnesotans stay protected.

Finding You Affordable Coverage

HOME

HOME

We provide a broad selection of coverage options for all kinds of homes—including owned properties, rental dwellings, mobile homes, and renter insurance. Whatever your situation, we can help you find the coverage that fits your unique needs!

FARM

A farm policy provides protection for your home, farm outbuildings, scheduled farm personal property, and liability coverage.
Vehicle

VEHICLE

Talk to one of our agents about how we can package a home and auto policy together to offer additional savings!
Commercial Properties

SPECIAL PERSONAL PROPERTY

Special personal property provides extra protection for specific types of belongings. Items commonly covered under this endorsement include jewelry, cameras, musical instruments, coins, antiques, firearms, tools, boats, golf carts, ATVs, and many other categories of property. Contact your agent for additional information.

Coverage Area

GET IN TOUCH

Have a question about your policy? Need to file a claim? Looking for coverage options? Our team at Owatonna Mutual Fire Insurance Company is here to help. Whether you’re a long-time policyholder or just exploring your insurance options, we look forward to hearing from you.
Address:
2680 N Cedar Ave, Owatonna, MN 55060, United States