Our History

Our company was organized in 1891 as Minnesota Farmers Mutual Insurance for the purpose of writing crop and hail insurance for Minnesota farmers. In 1906, operations were broadened to include farm windstorm insurance. General fire and inland marine lines were added in 1929. Automobile and dwelling coverages were added in 1930. In the late 1970's, the company expanded its product offerings to include homeowners and personal automobile coverages. To more accurately reflect the company's broadened product lines and its lesser focus on the farm market, in 1983, the board of directors changed the name of the company to Midwest Family Mutual Insurance Company.

In 1991, the company introduced its first commercial lines insurance products allowing the company to further broaden the products available to its independent agent sales force. In 1997, the company further diversified by adding the states of Iowa, Nebraska, North Dakota and South Dakota to the two existing states, Minnesota and Wisconsin.

In 2006, the company introduced a Personal Lines Portfolio Policy which packaged our homeowners, personal auto, boatowners, and personal umbrella coverages into a single policy. Designed for our top tier personal lines clients, our Personal Lines Portfolio consolidates billings, offers a combined deductible, and provides competitive terms. Since it's introduction this product has become our predominant means of providing personal lines insurance.

Geographic expansion has been a staple of Midwest Family Mutual's growth strategy. In 2004, the company started writing personal and commercial lines in the Land of Lincoln - the state of Illinois. In 2012, MFM introduced it's array of commercial products to Indiana, Kansas, Missouri, and Montana. In 2013, a commercial filing was approved in Arizona and Nevada. In 2014, the company added Colorado, Utah, and Wyoming to our operating region. And in 2016, we expanded our commercial lines into Idaho, New Mexico, and Ohio. We also expanded our personal lines to include our new First Class Portfolio program in Illinois, Iowa, Minnesota, Nebraska, North Dakota, South Dakota, and Wisconsin. In 2017, we added Arizona, Indiana, Kansas, Missouri, Nevada and Utah to our personal lines First Class Portfolio program.  In 2018 Colorado and Ohio were added to our First Class Portfolio program and Oregon was added for both First Class Portfolio and commercial lines products. We expanded our commercial lines products into Washington in 2020 and continued our commercial lines expansion into Kentucky, Michigan and Pennsylvania in 2021.  In 2024 we continued our personal lines expansion with Idaho in January and Montana in April.