Welcome to Headwaters Mutual Insurance!

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You deserve a quality and affordable insurance policy customized for exactly what you need covered. After all, you never know what’s going to happen to your valuables, and you want protection from the risk of possible damages to your home, car, or farm. We understand the stress involved when it comes to finding the right insurance for you, and we want to help.

Insurance Policies Throughout 13 Counties

Home

Farm

Fire

Auto

Homeowners Insurance
Farm Owners Insurance

INSURANCE CAN BE HIGHLY COMPLEX

Which is why our business thrives on creating personal connections with our customers. Our team will treat you like family, guiding you through all the steps for a painless and stress-free process.

PERSONALIZED PLANS & POLICIES

No two insurance policies are created equal, and we want to find a coverage plan that fits your individual specifications. We offer a variety of homeowners and farm owners policy choices for any of your needs.

AWARDED & NATIONALLY RECOGNIZED

Headwaters Mutual Insurance is a Northstar Star Award recipient, and proud member of:

We look forward to working with you!
Contact Us Today

Our Story

Here at Headwaters Mutual Insurance, we take pride in our history of providing services to Minnesotans for over 100 years. In 2018, Lakeland and Farmers Mutual Insurance combined to create Headwaters Mutual Insurance. We are now conveniently located in Bemidji, MN, offering a variety of policies for our community and surrounding areas.

Let us help match you with your perfect policy - give us a call!