Protecting your farm since 1879

Welcome to Hay Creek Mutual Insurance Company. We are located at 109 Broadway Ave, Goodhue, MN. We are a statewide company that writes primarily in southern Minnesota. We have 13 agencies that are located throughout Minnesota. Our agencies are located in Goodhue, Red Wing, Lake City, Zumbrota, Rochester, Stewartville, Owatonna, Lakeville, Burnsville, Blooming Prairie, Jordan, Willmar and Wykoff, Minnesota.

Hay Creek Mutual was incorporated and commenced business as a township mutual by the farmers of Hay Creek Township in Goodhue County on February 10, 1879, under the name Hay Creek Mutual Fire Insurance Company. In 1998 the name was amended to Hay Creek Mutual Insurance Company. We are owned by the policyholders of Hay Creek Mutual. There are seven Board Members and three employees. Our knowledgeable staff is here to answer questions and offer help to our customers and agents. We continue to strive to provide great service and affordable farm and home coverage. We work to meet the individual needs of each customer to develop the best possible coverage for your property.

We work closely with Grinnell Mutual Reinsurance which provides our reinsurance coverage. Grinnell Mutual is Rated A: VIII in the 2016 Best’s Insurance Guide and is also reinsured through Lloyd’s of London and in the domestic reinsurance markets to limit losses to a safe maximum.

If you would like more information, please contact our office at 651-923-4044 or 1-800-450-4044.

Come Join Us!

Coffee Cruise on the Pearl of the Lake!

Pearl of the Lake

Thursday, October 10th
6:30 - 8:30am

Free tickets available here!

Be sure to sign the back of your ticket for a chance at prizes drawn during the cruise.

Lake Hits 95 will host the cruise & KLCH will be broadcasting live while cruising Lake Pepin.

Coffee & treats will be served on the cruise.

Policyholder Payments

Hay Creek Mutual is proud to offer secure, convenient access for policyholders to make their payment online.

Pay Now »

Billing Options

We are happy to offer a variety of options for payments. There are monthly, quarterly, semi-annual and annual options available (extra fees apply for any options other than annual – contact your agent for more details). In addition, your premium may be automatically deducted from your checking/savings account or a credit card (Visa or MasterCard accepted) for any of the options above.

Annual Meeting

Our Annual Meeting is held on the first Monday in March. Our 2019 Annual Meeting will be on Monday, March 4th, at the Goodhue Community Center/Lion’s Building in Goodhue, MN. All of our policyholders are invited and encouraged to attend. It will begin with a meal at 12:00 pm with the business meeting to follow.