Providing Central Minnesota with Exceptional Insurance Coverage Since 1988

At Kutter Insurance Agency we are all about serving you. We represent some of the industry’s leading insurance companies and provide a wide variety of insurance products. When you come to us in need of an insurance quote we can provide you with the best coverage and price for your needs.

Auto / Vehicle Insurance

Did you know that there are more than 6 million car accidents in the USA on average every year? The average property damage cost of a car accident is $9,300 according to the National Safety Council; not including accidents that cause disabling injuries. Accidents happen, even to the best of us. Fortunately, a car insurance policy from Kutter Insurance Agency can protect you, your finances, and your assets from unexpected expenses in the event of a vehicle accident. From comprehensive coverage to liability only policies, whether you have one car or multiple, we can draw up a plan that fits your situation.

Homeowners Insurance

In 2015, the United States Census Bureau stated that the average price for a new home was $300,000. Whether your home’s value falls above, below or in-line with that average, there is a good chance that it is one of the most valuable assets you will ever own. Homeowners insurance can help provide a financial safety net should the unexpected occur – damaging storms, fire, water issues, etc. While a standard homeowner’s policy provides protection to your house and your personal property inside the house; a well-written policy can often also cover any detached sheds, fences, or garages. When you are looking to buy your first home, move to a new one or simply insure that your current policy truly does provide the best protection possible, put your trust in us at Kutter Insurance Agency.

Farm Insurance

Mother Nature can turn a blind eye to our crops, animals can get sick, and expensive farm equipment can break down. There are a limitless number of scenarios that can be difficult to financially recover from when trying to make a living in Minnesota’s agricultural industry. At Kutter Insurance Agency, we understand that life happens to even the best laid plans; this is why we offer many different types of farm-related insurance coverage.

  • Livestock / Grain
  • Machinery
  • Outbuildings & Structures
  • Personal Property
  • Residence

Medicare Supplements / Health Insurance

While no one plans to get sick or hurt, these things happen, which is why most people need medical care at some point in their lives. Even a short hospital stay can cost thousands of dollars. Did you know that the inability to pay high medical bills is one of the most common reasons for bankruptcy? But, a properly written and implemented health insurance policy from Kutter Insurance Agency can cover these costs, protecting you from unexpected medical bills. Contact us today to learn more about your options when it comes to Health Insurance Coverage.

Boat, Motorcycle, ATV & Snowmobile Insurance

As Minnesotan’s we love our recreational vehicles. But, have you considered what would happen if your new ATV or luxury fishing boat were stolen or vandalized? Few of us have the financial resources to easily replace such a loss. Insurance cannot only reimburse you in the event of theft or damage, it can also protect you in case of accident, or damage done to someone else’s property while in use. Much like owning a car, a boat, motorcycle, ATV, or snowmobile is something you should have insured for your personal protection.

Commercial Insurance

Property and liability insurance are common types of commercial coverages that protect your business from financial loss through accidents, damages, or lawsuits. While these are the common types, there are other commercial insurance products you may want to consider depending on the type of business you own. To cover all your bases and go over everything with a fine tooth comb, consider scheduling an appointment with one of our independent agents at Kutter Insurance Agency.

Renters Insurance

Contrary to popular belief, your landlord’s insurance policy probably does not cover any damage or theft that occurs to your possessions. Did you know that the average person owns $20,000 of personal belongings? What would you do if a fire or water issue at your apartment building destroyed everything you worked so hard to get? Renters insurance will have you covered, your personal belongings will be replaced, or the cash value of your damaged property will be reimbursed, all for a very nominal expense.

Do not rent blissfully thinking that your landlord has you covered; contact us at Kutter Insurance Agency to arrange appropriate renters insurance.

Workmen's Compensation

If you have employees, you need workers comp insurance. Accidents happen, even at the safest workplaces, and workmen’s compensation protects your company or business from lawsuits while also providing benefits to your employee in case of work related illness or injury. At Kutter Insurance Agency we can develop a workers comp plan that will keep everyone’s best interests in mind.

Contact us today for more information on our insurance services, or to discuss your current needs.


Getting the Best Coverage & Price for Your Needs

Grinnell Mutual Foremost BlueCross BlueShield of Minnesota Progressive Heacock Classic Melrose Mutual Grove Mutual