Personal Insurance Products
Whether you’re insuring your first home, protecting your family’s vehicles, or safeguarding valuable possessions, North Star Mutual offers a variety of personal insurance policies, including:
Optional Coverages Options for Added Peace of Mind
We know every household is different. North Star Mutual offers optional coverages that allow you to enhance your protection based on your property, lifestyle, and risks. Depending on your policy, available options may include:
- Increased Limits
- Scheduled Personal Property coverage (Inland Marine)
- Installed Equipment Breakdown
- Sewer Backup Coverage
- Service Line Coverage
- Rental Car Reimbursement Coverage
- Towing & Labor Reimbursement Coverage
Ask your agent about what optional coverages might be right for you.
Commercial Insurance Products
Whether you’re launching a new business, protecting your commercial property, covering company vehicles, or safeguarding your operations, North Star Mutual offers a variety of commercial insurance policies, including:
Optional Coverages Options for Your Business
We know every business is different. North Star Mutual offers optional coverages that allow you to enhance your protection based on your property, operation, and risks. Depending on your policy, available options may include:
- Increased Limits
- Scheduled Business Property coverage (Inland Marine)
- Business Interruption & Extra Expense
- Installed Equipment Breakdown
- Employment Practices Liability (EPLI)
- Commercial Cyber Liability
- Hired and Non-Owned Auto
Ask your agent about what optional coverages might be right for you.
Why Choose North Star Mutual Insurance?
Steady. Reliable. Strong.
For more than 100 years, North Star Mutual has built a reputation for financial stability, responsive claims service, and dependable protection for policyholders throughout the Midwest.
When the unexpected happens, you can feel confident knowing your insurance is backed by a company committed to serving its policyholders with integrity and reliability. North Star Mutual has been rated ‘A’ (Excellent) or higher with A.M. Best for over 70 consecutive years.
A Difference You Can Depend On
Identity Fraud Protection
As an added value to your home or farm policy, North Star Mutual automatically includes $25,000 of Family Cyber and Identity Fraud Expense Coverage with your home or farm policy at no charge to you!
Common Loss Deductible
With a common loss deductible, you only pay one deductible for a covered loss that affects multiple North Star insured properties or policies, instead of paying a separate deductible for each.
Real People
We know small communities, because we are one! Behind every policy is a team of real people who understand, listen, and are there to help.