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At Center Mutual, we understand the unexpected happens. As an insured, you don't wish to file a claim, but sometimes its necessary.

Our goal is to make submitting a claim, as easy as possible for the insured. With a team of experienced adjusters who have years of knowledge behind them, your claim will be handled in a sufficient amount of time. 

To read comments from previous claimants about the superior service they received, read here. To leave a positive review for one of our adjusters, follow this link.

If you have an accident, please follow these steps:

• Notify Police Immediately
• Report all Accidents to your Agent/Company as soon as possible, obtain the following information:
  • 1. Name, address, and telephone of each driver, passenger and witness
  • 2. Name of Insurance Company and policy number of each vehicle involved.
  • 3. Do not admit fault. Do not discuss the accident with anyone except your Agent/Company or Police. 
• Your Agent and Company phone number will be on the back of your Vehicle ID card, property insurance, information is on your declaration pages.
• Center Mutual 701-776-5279

Excess Liability coverage is an extension of liability limits to your primary insurance policies. 

Add your Center Mutual Home, Auto, Farm/Semi Truck, Farm, Standard Farm, Dwelling Fire, and Standard Farm policy to your Excess Liability Coverage.

Liability Coverages Available:

• Additional Residences in State
• Additional Residences out of State
• Autos or Light Trucks
• Motor Homes
• Motorcycles
• Youthful Operator
• Business Autos
• Recreational Vehicle
• Watercraft under 25HP (25-50HP) & (51-250HP)
• Jet Skis
• Home Daycare
• Business Pursuits
• Owner Interest Only in Farming Operation
• Incidental Bus Prop - Rental Dwelling 1-2 Family (3-4 Family)
• Custom Farming Receipts
• Medium Truck (up to and incl. 2T)
• Light-Heavy Truck (> 2T - 3T)
• Heavy or Extra Heavy Truck (over 3T)

Center Mutual offers coverage for your farming transportation needs. Farm/Semi Truck policies are molded for your specific coverage necessities. 

A Farm Truck is described as a one-ton truck or larger (with a box & hoist)

Farm/Semi Truck must be used specifically for farming use purposes. 

Farm/Semi Truck Coverages:

• Bodily Injury Liability
• Property Damage Liability
• Medical Payments
• Personal Injury Protection
• Uninsured Motorists
• Underinsured Motorists

Optional Coverage Farm/Semi Truck:

• Comprehensive
• Collision
• Stated amount value coverage options
• Hired and non-owners auto coverage

Where we live, farming isn't just a source of income, its a way of life. A farm is where you live, where you work, and often where you play. The right coverages are needed to ensure that your assets are protected from a multitude of risks.

To protect your farming assets from risk, find and agent near you today!

Standard Farm Policies can provide coverage for:

• Dwellings
• Dwelling Renters
• Outbuildings
• + other coverages available

Discounts Available:

• All Electric Home
• New Home

Other Coverages Available:

• Special Form Coverage
• Weight of Ice/Snow or Sleet
• Farm Public Liability
• Liability Livestock Exposure
• Landlord as Additional Insured
• Medical Payments
• Additional Residence/Farm Rented to others
• Business Activities
• Personal Injury
• Farm Pollutants Limited Liability
• Theft and Vandalism Coverage
• Farm Employees Coverage
• Vandalism & Malicious Mischief
• Farm Extra Expense
• Rented or Borrowed Farm Equipment
• Winter Perils Livestock Coverage
• Rural Church Liability
• + more

Special Coverages available under Inland Marine:

• Recreational Vehicles (watercraft/snowmobiles/ATV/Golf Cart)
• Cameras
• Sports Equipment
• Computers/Cell Phones
• Jewelry
• Fine Arts
• Guns
• + additional special property items. 

Standard Farm Property Coverages:

• Farm Machinery
• Hay in Open/Hay in Barn
• Livestock
• All Risk - Bulls Only
• Grain in Grain type building
• Grain (80% Coinsurance)
• Irrigation Systems and Equipment
• Poultry
• Sheep
• Satellite Dish
• Milking Equipment
• Horse Equipment
• Farm Machinery Parts
• Gas or Fuel Tanks
• Fuel & Gas
• Motors & Generators
• Electrical Supplies & Equipment
• Shop Equipment
• Leg/Auger Systems
• Water Pumps/Systems
• Seed/Chemical/Fertilizer
• Tools

Where we live, farming isn't just a source of income, its a way of life. A farm is where you live, where you work, and often where you play. The right coverages are needed to ensure that your assets are protected from a multitude of risks.

To protect your farming assets from risk, find and agent near you today!

Farmowner Policies can provide coverage for:

• Dwellings
• Dwelling Renters
• Outbuildings
• + other coverages available

Discounts Available:

• Multipolicy Discount (CMIC Auto Policy)
• All Electric Home
• New Home
• High Deductible
• Number of Stories

Other Coverages Available:

• Premier Program
• Non-Flood Related Sewer Backup
• Sump Pump Failure
• Replacement Cost - Personal Property
• Special Form Coverage
• Weight of Ice/Snow or Sleet
• Farm Public Liability
• Liability Livestock Exposure
• Landlord as Additional Insured
• Medical Payments
• Additional Residence/Farm Rented to others
• Business Activities
• Personal Injury
• Farm Pollutants Limited Liability
• Snowmobile/ATV Liability
• Farm Extra Expense
• Rented or Borrowed Farm Equipment
• Winter Perils Livestock Coverage
• + more

Special Coverages available under Inland Marine:

• Recreational Vehicles (watercraft/snowmobiles/ATV/Golf Cart)
• Cameras
• Sports Equipment
• Computers/Cell Phones
• Jewelry
• Fine Arts
• Guns
• + additional special property items. 

Farm Property Coverages:

• Farm Machinery
• Hay in Open/Hay in Barn
• Livestock
• All Risk - Bulls Only
• Grain in Grain type building
• Grain (80% Coinsurance)
• Irrigation Systems and Equipment
• Poultry
• Sheep
• Satellite Dish
• Milking Equipment
• Horse Equipment
• Farm Machinery Parts
• Gas or Fuel Tanks
• Fuel & Gas
• Motors & Generators
• Electrical Supplies & Equipment
• Shop Equipment
• Leg/Auger Systems
• Water Pumps/Systems
• Seed/Chemical/Fertilizer
• Tools

Dwelling Fire Policies can provide coverage for:

• Homes
• Rental Homes
• Seasonal Homes
• Condominiums

Discounts available are:

• All Electric Discount
• New Home Discount
• Higher Deductible
• Metal Roof Discount

Other Coverages Available:

• Related Private Structures
• Personal Property Coverage
• Identity Theft
• Builders Risk Coverage
• Equipment Breakdown
• Service Line Coverage
• Additional Living Expense
• Vandalism Coverage
• Terrorism Risk
• Owner/Landlord or Tenant Liability
• Comprehensive Personal Liability
• Dog & Cat Liability

Our home is more than the place we sleep at night. Its a safe haven, an investment. Is it protected?

Center Mutual offers a variety of coverages for your home. To make sure your personal property is protected how you want it protected, find an agent near you to obtain a quote!

Homeowner Policies can provide coverage for:

• Homes
• Renters
• Condominiums
• Rental Homes
• Seasonal Homes

Discounts available are:

• Multi policy Discount (with Auto supporting policy)
• All electric Discount
• New Home Discount
• Higher Deductible
• Waiver of Outbuilding Coverage

Other Coverage Available:

• Special Form coverage for Personal property
• Replacement cost for Personal property
• Related Private Structures
• Non-Flood Sewer Backup coverage
• Non-Flood Sump Pump coverage
• Identity Theft
• Expanded Replacement Cost - Dwelling
• Builders Risk Coverage
• Watercraft liability
• Recreational Vehicle Liability
• Farm Liability
• Equipment Breakdown
• Service Line Coverage
• Personal Injury

Special Coverages Available under Inland Marine

• Jewelry
• Computers
• Cell Phones
• Golf and other sports equipment
• Boats, Motors, & Trailers
• Guns
• Fine Arts
• Recreational Vehicles (Golf Carts, ATV, Snowmobiles)
• Tools - personal usage
• Plus additional special property items.

Center Mutual offers Personal Auto insurance for you, and your vehicle's needs. We work with independent agents throughout North Dakota, and South Dakota. To get an auto quote, go to our agent locator and find an agent near you.

Working with and Independent Agent in your area gives you a sense of security. We strive to make your Auto Insurance specific for your needs, and make sure you have the right protection for you.

As your life changes, so does your insurance needs. If you have questions on your policy, or if you do have a claim, Center Mutual provides fair, friendly, and fast service. Center Mutual strives for customer satisfaction.

Personal Auto

• Private Passenger Auto
• Motor Homes
• Campers/Horse with living quarters
• Ice Houses
• Trailers

Center Mutual Personal Auto Provides:

• Bodily Injury Liability
• Property Damage Liability
• Medical Payments (SD)
• Personal Injury Protection (ND)
• Uninsured Motorits
• Underinsured Motorists

Optional Coverage Available:

• Collision
• Other than Collision (Comprehensive Coverage)
• Rental Reimbursement
• Towing and Labor Coverage
• Customization Coverage
• Glass Coverage

Personal Auto Discounts:

• Multi Policy
• Multi Vehicle
• Good Student
• Senior Discount
• Defensive Driver

Center Mutual Insurance Company writes Personal Auto, Homeowners, Farm, Dwelling Fire, Farm Truck, Semi Truck (farm use) and Umbrella in North Dakota and South Dakota.

We are a leader in the property and casualty insurance industry, providing high quality products and outstanding service. We are dedicated to providing our policyholders with great service, speedy claims handling, and competitive pricing.

CMIC is committed to the independent agency system and all of our business is produced through a network of independent agents who understand the needs of our customers.