Since 1875

See what sets us apart

We are proud to be a local company that offers many insurance options, coverages, and discounts. However, we are small enough to give you the attention you deserve.

Friendly, accessible, and local are our greatest qualities. Insurance is our specialty. Our agents will help you get set up with the best insurance coverage designed especially for your unique situation. Discover the Independent advantage.

All of our agents are happy to provide free quotes. Contact us today to discover how well we can meet your insurance needs!

Need a Quick Answer?

PLEASE NOTE: No coverage can be bound or policy changes completed by sending an email or contact form. You must speak to an agent during regular office hours in order to process your request. 

News & Notes

A Word of Caution to Our Valued Policyholders:

We are entering Severe Weather Season in Minnesota. As always, we here at GREAT RIVERS MUTUAL encourage you to be sky aware and to have access to timely and accurate weather information to keep you and your property safe. 

When severe weather hits, we are often inundated with contractors from outside our area who go door to door looking for business. (We refer to them as “STORMCHASERS.”) They use high-pressure tactics to get you to sign a contract for repair and work hard to turn you against your insurance company. They often require an up-front down payment. Sometimes they do the work, sometimes they do not. But we rarely see a satisfied customer in the end.

Disaster strikes at the most inconvenient times. We are never prepared for it, and at the time it can be stressful and overwhelming. However, before you hire a contractor, we encourage you to pause to do a little research. Ask around for references. When considering a contractor, ask yourself if you’ve seen them in the area before. Are they well known? Do you know someone who has used them and been satisfied with the service and workmanship? Can they give you a list of local references? Have you checked with the Better Business Bureau to see if they are reputable?

REMEMBER: Your insurance company is not your enemy. We take great pride at GREAT RIVERS MUTUAL in delivering the promise we sold to you when you bought your policy and paid the premium. We encourage you to use local, reputable contractors from our area whom you know and see on a regular basis–those people you see in your neighborhood, at church, at the store and in your community. These contractors will be there to do the work, and will stand behind what they do. Think of your contractor and your insurance company both as part of your team. Each plays a different role but each are equally important. We will work together with your local contractor to ensure your repairs get done and we, along with your contractor, want you to be satisfied with the results.


Finding You Affordable Coverage



We offer a wide range of coverages for all types of homes, rented dwellings, mobile homes as well as renters insurance coverage. We can find the right coverage to meet your particular needs!



A Farm policy protects your dwelling and any farm outbuildings you have on the property, as well any scheduled farm personal property as well as liability coverage.



Talk to one of our agents about how we can package a home and auto policy together to offer additional savings!



Special personal property features additional coverage for certain classes of personal property. Examples of items that would be covered under this endorsement would be jewelry, cameras, musical instruments, coins, antiques, guns, tools, boats, golf carts, ATVs, and many other items. Please ask your agent for more details.

Great Rivers Mutual Insurance - Since 1875

Scroll to Top
We're Excited!
We are very excited and proud to be a local company to announce that our team is growing and with a new look and name.
Hay Creek Mutual is now:
Great Rivers Mutual