With a full line of personal products to choose from, you can take advantage of companion policy discounts by insuring your home and auto with RAM. Our personal lines products include:
Homeowners Insurance *
In Minnesota, in cooperation with the township mutuals, RAM offers a package policy for dwellings occupied by the owner, tenant's policies and seasonal dwellings. We also offer direct homeowner's and dwelling fire policies. In North Dakota, RAM offers homeowner’s, mobile homeowner’s and dwelling fire policies.
Farm Insurance *
In Minnesota, in cooperation with the township mutuals, RAM offers a farm package policy for most types of farming operations. There is an extensive list of options available for various types and sizes of farming operations. We also write workers' compensation on many farms. In North Dakota, our Farmowner’s program will be available January 1st, 2019.
RAM offers a personal auto program at competitive rates for Minnesota and North Dakota drivers with good driving records and favorable loss history.
In both Minnesota and North Dakota, RAM offers personal liability, farm liability, and premises only liability with limits up to $1 million. Additional limits may be available under our umbrella policy.
Inland Marine Insurance
RAM has inland marine coverage available for many classes of unique properties that are not usually covered by the basic policy.
Personal Umbrella Insurance
Personal umbrella coverage may be available for those who need higher limits of liability than offered under our basic contracts. In some cases, the personal umbrella will provide "drop down" coverage for losses not covered under the basic contract.
*Family Cyber Protection is automatically included on Homeowners and Farmowners policies. Check out our Family Cyber Protection page for more information.