Home Insurance

Your home not only holds your family, but your most cherished belongings and the memories associated with them. Protect the house that protects you and your loved ones. Bremer Mutual has a variety of coverages to fit your life, so that you can focus on enjoying it.

Homeowner & Renters’ Insurance:

Whether you own or rent, we know how important it is to not only protect your house, but all the things you love inside it, too. Bremer Mutual also provides additional coverage for personal injuries or liabilities such as damage to your property or others’ property, or medical payments to others.

Home Owners

Bremer Mutual understands that buying a home is a huge investment, and we want to protect that investment by combining property and personal liability coverages with our exclusive Home Guard Policies


Even though your landlord’s insurance covers the building you live in, it doesn’t cover your belongings inside. Let Bremer Mutual help protect your possessions and your finances if the unfortunate happens.

Farm Insurance

From corn to cattle and everything in between, Bremer Mutual provides comprehensive policies for the farmers that do so much for us.

We understand that farm insurance isn’t one-size-fits all.  That’s why we work with you to build a custom plan that keeps you covered.

We appreciate what farmers provide, so in turn, we want to provide them with peace of mind. Bremer Mutual understands the risk involved in raising livestock and cultivating crops. Whether you are running a small family farm or a larger operation, you are important to us. We have been providing hardworking farmers with flexible agriculture policies for over a century.  You can trust that your farm is taken care of.

Equipment Breakdown Coverage / Extra Protection

Looking for coverage beyond what you’ve already seen? We have extra protection with Water/Drain/Sewer Backup, Service Line, and more. We also offer equipment breakdown coverage.

When a piece of equipment in your home needs to be repaired or replaced, it can throw a hitch in your routine and cost a lot of money. Bremer Mutual can cover the equipment and appliances in your home to keep things running smoothly.

Service Line Coverage Includes:

  • Water piping that connects from the dwelling to a public water supply system or well
  • Serer piping that connects from the residence to a public sewer system or private septic system
  • Power lines that provide electrical service to the dwelling
  • Power line or wiring to and from solar-panel generating equipment, including those leading to a junction or transformer owned by a utility company.

Equipment Breakdown Coverage Includes:

  • Central air conditioning
  • Well pumps
  • Furnaces, heat pumps, heaters
  • Electric power panels
  • Kitchen and household appliances
  • Chairlifts and elevators
  • Central vacuums
  • Pool equipment
  • Ventilation systems and fans
  • Boilers and water heaters
  • Backup generators