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Personal

With a full line of personal lines 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 cooperation with the Minnesota 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.

Farm Insurance

In cooperation with the Minnesota 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.

Auto Insurance

RAM offers a personal auto program at competitive rates for Minnesota drivers with good driving records and favorable loss history.

Liability Insurance

RAM offers personal liability insurance at limits up to $1,000,000 for homes and farms. Limits up to $1,000,000 are available under our owners', landlords', and tenants' policy. Additional limits may be available under our personal 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 contracts.

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.