We currently operate in the following counties in Minnesota- Blue Earth, Brown, Cottonwood, Dodge, Faribault, Fillmore, Freeborn, Le Seur, Jackson, Martin, Nicollet, Mower, Olmsted, Waseca, Watonwan, Rice, and Steele.

South Central Mutual is considered a Township Mutual by Minnesota Statute. What this means is we are authorized to write: Fire and allied lines. We are not authorized to write catastrophy perils such as Wind, Hail, Liability, and Special Form. So you might ask how do we provide the coverages todays insurance buying public need?

We are unique in the fact that we issue a policy in the name of two companys. South Central Mutual and either North Star Mutual or RAM Mutual to have a seamless product for you the insurance buying public.