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118 Downtown Plaza
Fairmont MN 56031

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A tradition of service is the basis on which Fairmont Farmers Mutual Insurance Company was built. Fairmont Farmers Mutual has provided quality insurance products to meet the needs of our policyholders since 1889. As a local company, we are able to know the needs of our policyholders and agents and respond quickly to those needs. All of our decisions are made with you, the customer, in mind. Our purpose is to provide quality products and service in a professional, responsive and ethical manner at all times.




Last year, CoreLogic estimated 64% of homes were under insured by an average of 27%.[1]

Recently, the Marshall Fire in Colorado destroyed 1,000 homes. It is estimated that two-thirds of these homeowners were underinsured.[2]

Due to the high rate of inflation, limited supply of materials, and labor shortages— unless you have recently reviewed and updated your policy-- you are probably underinsured. This not only applies to your home and other structures, but also applies to machinery, grain, livestock and any other items that you own. Our goal at Fairmont Farmers Mutual is to help you get your life back to normal following a loss, and having adequate coverage is critical to ensure that you have the funds you need to return to pre-loss condition.

In the current economic environment, it is nearly impossible to get an accurate value or cost to replace your property-- but sitting down with your agent and reviewing your coverages is a good first step. At a minimum, policy reviews should be done on an annual basis but can be completed any time throughout the year.

In recent years, we have witnessed an increase in weather events and their severity. Please take the time to contact your agent and review your coverage before it is too late.

[1] CoreLogic’s Residential Cost Handbook

[2] https://csimt.gov/news/psa-underinsured-homeowners-are-at-risk/


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