Insurance Services

Designed with You in Mind

Our Goal

At NPCL, our goal is to provide insurance products that are useful and needed by the people living in southern Minnesota. We focus on listening to our policyholders and taking their opinions into account in our daily work and future plans. As a township mutual insurance company, we make sure to understand and meet the specific needs of residents and farmers in our area.

The main NPCL Mutual Insurance office building.

NPCL Partners With

Discounts Available

NPCL offers the following discounts where applicable: Home and auto bundling, new/updated home discounts, superior loss history discounts, home monitoring discounts, valued customer discounts, insured to value credit discounts. Some are RAM specific and some are North Star specific. Exclusions apply.

NPCL Insurance Services

Farm and Equipment

Farm Insurance

Protecting Your Livelihood, Preserving Your Farm

Farming encompasses more than just buildings, fields, and livestock.

It's a thriving business, a way of life, and a cherished heritage. At NPCL Mutual, we understand this deeply, which is why we offer comprehensive Farm Insurance. Whether you own a small family farm or a large commercial dairy operation, our knowledgeable agents possess the expertise, resources, and understanding needed to craft a tailored insurance policy that safeguards your property and assets from the risks of wind, hail, and fire.

The policies we offer cover some of the most important aspects of your farm including:




Outbuildings & Structures

NPCL-Personal Property

Personal Property



With roots tracing back to 1882, NPCL Mutual has a long-standing commitment to serving farmers and the agricultural community. Our agents are not only professionals in the insurance field but also your neighbors and, in some cases, farmers themselves. They understand the significance of adequate farm coverage, which is why they take the time to listen and conduct thorough research, enabling them to design an effective and flexible policy that caters to the specific needs of your farming operation.

Being fellow Minnesota residents, we understand the vulnerability of your farming operation to the state's unpredictable natural disasters, such as hailstorms and powerful tornado-force winds. With these risks in mind, we strongly advise implementing a robust risk management plan. At NPCL Mutual, our experienced agents specialize in crafting farm insurance policies that serve as your smartest defense against unexpected damages, losses, or disasters.

Machinery & Equipment Insurance

Safeguarding Your Farm Assets

A crop being sprayed by a tractor.

To a farmer, a piece of machinery holds more value than mere metal, wheels, and gears.

It is a crucial asset that aids in planting, harvesting, and ultimately, driving profitability. Modern farming equipment has become technologically advanced, offering exceptional utility, but it can also come with hefty repair or replacement costs. That's where our affordable machinery and equipment insurance steps in. At NPCL Mutual, we understand the importance of keeping your farming operation running smoothly, which is why we provide comprehensive coverage to protect your valuable machinery.

Focus on what matters most – your farm – while having the peace of mind that your equipment is safeguarded.

Need a policy review, update your existing coverage or get a new quote?

Homeowners and Renters

Homeowners and Renters Insurance

Protecting Your Haven, Preserving Your Belongings

Your home is more than just a physical structure.

It's your sanctuary, where you create cherished memories with your loved ones. At NPCL, we recognize that your home holds immense value, not only in its walls, roof, and windows but also in the belongings that make it uniquely yours. With this understanding, our dedicated agents specialize in preparing comprehensive Homeowners Insurance policies that cover not only the structure but also your property and personal possessions.

Whether Owning or Renting...

At NPCL Mutual Insurance Company, we go beyond insuring traditional detached, single-family homes.

We offer Homeowners Insurance for a diverse range of home structures, including:

  • Townhomes and Condos
  • Cabins
  • Seasonal Homes
  • Trailer Homes
  • Single Family Homes
  • Renters Insurance for Apartments

Committed To Exceptional Service

At NPCL Mutual, we prioritize your safety and peace of mind. That's why our Homeowners Insurance policies offer a winning combination of competitive rates, extensive coverage, and dedicated agents you can rely on. With our commitment to providing exceptional service, you can feel confident and secure in knowing that your home is well-protected.

Choose NPCL Mutual for a Homeowners Insurance policy that delivers the comprehensive protection you deserve.


Liability Insurance

Protecting Yourself from Life’s Mishaps

A woman being shown a report on a chart.

Liability Is More Than Insurance

Liability insurance is a crucial aspect of protecting yourself and your assets from unforeseen circumstances. a physical structure. Whether you're a business owner or a homeowner, having liability insurance offers numerous benefits and provides financial security in case of liability claims or lawsuits. Here are some reasons why liability insurance is a wise investment:


Legal Claim Protection

Liability insurance shields you from the financial burden that may arise from legal claims made against you. If someone is injured on your property, or you are involved in an accident where you are deemed at fault, liability insurance can cover the costs associated with legal fees, medical expenses, and potential settlements or judgments.


Safeguarding Your Assets

Without liability insurance, you could be personally responsible for paying damages or compensation out of pocket. This could lead to substantial financial loss and jeopardize your assets, including your home, savings, or business. Liability insurance ensures that you have the necessary protection to safeguard your hard-earned assets and maintain your financial stability.


Peace of Mind

Having liability insurance brings peace of mind, knowing that you are protected in case of unexpected incidents. It allows you to focus on your personal or professional endeavors without worrying about the potential financial consequences of liability claims. By transferring the risk to an insurance provider, you can enjoy greater certainty and concentrate on what matters most to you.

Ensure Financial Security

Liability insurance is a smart investment that offers protection, safeguards your assets, and security. It is essential to assess your specific needs and choose a liability insurance policy that aligns with your circumstances. By doing so, you can mitigate potential risks and ensure financial security in the face of liability claims or lawsuits.

Personal Property

Personal Property Insurance

Protecting What Matters Most

A man typing on a laptop computer.

If you have personal property that has financial worth and it would be hard to recover from its loss, this is the insurance you need for peace of mind.

It covers almost anything you can think of such as:

  • Construction Equipment
  • Fine Art
  • Antiques
  • Computer Equipment
  • Golf Carts and Clubs
  • Jewelry
  • Cell Phones
  • Recreational Vehicles

The official name of this insurance is “Inland Marine”. A confusing term that often needs a little explanation.

The term originated from the historical context of insurance, when it primarily covered goods transported via waterways, such as rivers and canals. At that time, marine insurance was designed to protect goods while they were being shipped by boat. However, as transportation methods evolved, goods began to be transported more frequently over land by various means, such as trucks, trains, and airplanes. Today you can think of this insurance as “Personal Property Insurance.”