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Welcome to Melrose Mutual
Insurance Company
We are a small township mutual insurance company, in
a small town with big ideas and ambition. Because we are a small
company we can work with you using a "Neighbor Helping Neighbor" approach
to provide insurance to fit your needs. This company is owned by
you the policyholders and run by a Board of Directors elected by you from
among the policyholders - we are all neighbors.
Because we are a township mutual insurance company,
our structure is different than other insurance companies. We package
some coverages with a larger company and we operate under Minnesota Statute
Chapter 67A. Melrose Mutual writes the fire and extended coverages
for the property, and Grinnell Mutual writes the wind, liability and inland
marine portion of the coverages. Together, Melrose Mutual and Grinnell
Mutual offer a complete farm or home package in one policy with many options
to tailor coverage to your needs. Some of our agents are able to
offer Grinnell direct lines such as auto, business and umbrella coverages.
In 2006, we added another company, Spring Valley Mutual,
as an option for packaging our rural and farm properties. We are pleased
to offer competitive pricing to our country neighbors.
Our Mission is to provide
fire and additional lines coverage at the lowest possible rate with the
best possible service to all qualified property owners located in the
Minnesota counties of Stearns, Benton, most of Morrison and Todd, and
parts of Crow Wing, Douglas, Kandiyohi, Meeker, and Pope. We offer
services to all cities, villages and boroughs within our operating territory,
with the exception of the City of St. Cloud.
Coverages include protection
for your home, seasonal property, farm, hobby farm, liability, inland
marine and some extras.
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