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At Central MN Insurance, we are here to help protect your family, your finances, your property, and your way of life. When it comes to day to day living, the unexpected is about the only thing you can expect. But unexpected situations in life shouldn't have to leave you financially stranded. We strive to serve you to the best of our ability, by providing the best insurance policies and the most coverage at the best prices.

Auto insurance is required by law, and without insurance, you could risk great financial loss. What happens if your car gets totaled when you hit a deer? Or when another driver hits your car during the middle of the night and leaves without a trace? Few people can afford to buy another car and pay for it entirely out of their own pocket. At Central MN Insurance, we offer different insurance plans to protect you and your assets in the unlikely event that an accident would happen.
Your home is probably your biggest investment. But even your home is subject to unforeseen disasters, such as a house fire, vandalism, storms, and burglary. If any of your neighbors or friends suffer from an unexpected accident or injury while on your property, you could be held financially responsible. At Central MN Insurance, we know you work hard to protect your home and family, and we want to make your job easier. We offer a variety of home insurance plans, so you can choose the type of coverage that allows you to put your mind at ease.
Renter's insurance provides the same coverage as homeowner's insurance, without covering the structure of the dwelling. If a clogged toilet causes water damage to a neighboring apartment, or a pet destroys your neighbor's lawn furniture, we've got you covered at Central MN Insurance.
We depend on farmers to produce and grow our food. It's a wonderful profession, and a difficult one. So many things could go wrong that might jeopardize the success of the year. Farm equipment breaking down, storm damage to livestock barns or equipment buildings, failed crops, crop fires, vandalism, and more. At Central MN Insurance, we depend on our farmers to take care of our food needs, and we have insurance plans to take care of you.
When we say that something is as dependable as the weather, it's because it isn't dependable at all. When growing crops, having too much rain at the wrong time or not enough rain when the time is right can destroy or put into jeopardy everything that you worked so hard to obtain. When your livelihood depends on the weather, you can depend on us at Central MN Insurance to make sure you have the protection you need to continue growing your crops this year, and for many more years to come.
Everyone likes to have a good time, and Central MN Insurance even offers coverage for the vehicles we use to relax and enjoy ourselves. Vehicles include campers, four wheelers, snowmobiles, boats, and more. Accidents can happen to us at any time, even when we are on vacation or out relaxing, regardless of what we are driving.
Designed to protect you from major lawsuits, an umbrella policy can provide extra coverage above and beyond the limits of your home or auto insurance. Perhaps a car accident results in serious injury, and isn't fully covered by your auto insurance plan. An umbrella policy will take over right where your liability insurance leaves off, so you can feel extra safe, secure, and fully covered.
Life these days is busy. Taking the kids to soccer games, hockey games, football practice, school activities, and a million other things. Who wants to even think about life insurance? If you or someone close to you passes away, dealing with the grief and loss is hard enough without worrying about loss of income or financial means. Life insurance ensures that your loved ones will have some financial security and stability, even after you're gone.
No one plans on getting sick, but almost everyone goes to the doctor for medical treatment at some point and time. Health insurance protects you from financial risk, so that if any serious illness comes up, that last thing you have to worry about is trying to figure out how to pay for it. At Central MN Insurance, we always hope and pray for the best. But we are here to help you get through the tough times too.
Few people really even think about disability insurance, but if you or your family are depending on the income you are able to generate, then it might be worthwhile to consider purchasing disability insurance, to help make up for lost income if you are unable to work. Fortunately, work related injuries that are disabling are fairly uncommon. But something like cancer is just as disabling, and it doesn't matter what type of work you do. At Central MN Insurance, we are here to help you have a plan in place so that you can always focus on what is most important to you, no matter what the situation may be.
Also known as Business Insurance, commercial insurance is what you can depend on if an employee is injured, if equipment breaks down, or if you find yourself in a lawsuit situation. Whether you are a one person operation, or a multi-million dollar corporation, at Central MN Insurance we have different plans to provide the coverage you need to keep your business up and running.
No one wants to deal with an accident that prevents or impedes your ability to work, especially when such an accident occurs at the workplace. Worker's comp will supply medical benefits and lost wages to the employee if such an accident should occur, as well as to protect the employer from lawsuits.
Your business is growing, and you need company vehicles to reach out to your customers, but that means placing your valuable employees and property at higher risk of accidents from inclement weather, bad road conditions, and other drivers. Just like personal auto insurance, business auto insurance is there to protect you, as well as your employees, and the future of your business.


Contact us today, and let us help you develop a plan that is right for you.

Address: 113 W James St. PO Box 206 ~ Paynesville, MN 56362
Phone: (320) 243-7403
Fax: (320) 243-4947
Hours: Mon - Fri: 8am - 5pm or by appointment

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