Personal Insurance
RAM’s personal insurance solutions are designed to protect what matters most, your home, your farm, your vehicle, and your way of life.
Whether you’re navigating everyday risks or preparing for the unexpected, we offer practical coverage options backed by responsive support and guidance from your local independent agent.
Minnesota
We proudly partner with Minnesota township mutuals to offer packaged policies for homeowners, rental properties, and a comprehensive farm policy to fit the needs of our local farmers. Additional coverages available include direct homeowners, dwelling fire, personal auto, farm truck, liability, inland marine, personal umbrella, and equipment breakdown.
North Dakota
We offer homeowners, mobile homeowners, dwelling fire policies, as well as a comprehensive farmowners policy to meet the needs of most farming operations. Additional coverages available include personal auto, farm truck, liability, inland marine, personal umbrella, and equipment breakdown.
Homeowners Insurance
Your home is more than just a place to live it’s where your life happens. From quiet mornings to family milestones, it holds the moments that matter most. Our homeowners coverage is designed to help protect your space, your belongings, and your peace of mind, so you can feel confident knowing you’re prepared for the unexpected. Our homeowners policies automatically include Family Cyber protection safeguards, so you can sleep well knowing you and your loved ones are protected from a growing range of online threats.
Farm Insurance
We understand that farming isn’t just what you do it’s who you are. Our farmowners insurance is built to protect more than buildings and equipment it’s designed to help protect your livelihood, your legacy, and your future. Automatically included with our farmowners policies, Family Cyber protection safeguards you and your loved ones from a growing range of online threats.
With a wide range of options, we can help you find coverage that fits your operation no matter the size or type.
Auto Insurance
RAM’s personal auto coverage is designed to keep you moving forward with confidence.
Our program includes valuable features for qualified drivers in Minnesota and North Dakota, such as accident forgiveness as well as potential discounts for good students, defensive driving, multi-vehicle policies, anti-theft features, and more.
Farm Truck Insurance
Our Farm Truck Program is designed to support the vehicles that keep your operation running. Coverage is available for a variety of vehicles from personal cars and pickups to semi-tractors and trailers.
Discounts may be available for multi-vehicle policies, defensive driving, supporting policies, and seasonal use.
Liability Insurance
We offer personal, farm, and premises-only liability coverage with limits up to $1 million in both Minnesota and North Dakota.
Higher limits may be available through our umbrella coverage options.
Umbrella Insurance
Personal umbrella coverage provides an extra layer of liability protection beyond your standard policies. In some cases, it may also extend coverage to certain losses not included in your underlying policies helping give you added peace of mind.
Inland Marine Insurance
Inland marine coverage provides protection for unique or mobile property that may not be covered under a standard policy. This includes specialized items and equipment that require additional protection.
Homeowners Equipment Breakdown Coverage
Don’t lose sleep over the unexpected! With RAM’s Homeowners Equipment Breakdown Coverage, you may be covered!
Reach out to your agent for available options and gain a better understanding of your protection.
Find an Agent You Can Trust
Our network of independent agents across Minnesota and North Dakota ensures you have a knowledgeable, trusted partner close to home.
Your local agent can help you understand your options, choose the right coverage, and support you throughout the life of your policy.
