North Central Insurance Agency

North Central Insurance — Local Protection, National Strength

Smart Insurance Solutions for Zimmerman, Big Lake, Princeton, Elk River, Becker, Otsego, and Beyond

When it comes to protecting your home, your family, your business, and your future, you deserve more than just an insurance policy — you deserve a partner who puts your needs first. At North Central Insurance, we’re proud to be a full-service, independent insurance agency serving the heart of Minnesota. With deep roots in communities like Zimmerman, Big Lake, Princeton, Elk River, Becker, and Otsego, we combine personalized local service with access to some of the most respected insurance carriers in the nation.

Whether you’re insuring your vehicle, purchasing a home, planning for retirement, or protecting your livelihood, our experienced agents work closely with you to find customized coverage that fits your life — and your budget.

Why Choose North Central Insurance?

As an independent agency, we’re not tied to any one carrier. That means we work for you, not the insurance companies. Our team has the freedom to compare policies across a wide network of top-rated providers, ensuring you get the best possible value without sacrificing quality coverage.

Clients throughout Zimmerman, Big Lake, Princeton, Elk River, Becker, and nearby areas trust us because we offer:

• ✅ Competitive Rates from multiple insurance carriers
• ✅ Local Expertise tailored to Minnesota families and businesses
• ✅ One-on-One Support from agents who care
• ✅ Fast, Free Quotes with no pressure to commit
• ✅ Comprehensive Coverage under one roof

Our Insurance Services

We make protecting every part of your life simple. No matter where you are or what stage of life you’re in, we’ve got you covered.

🚗 AUTO INSURANCE

Drive with confidence on every Minnesota road.

From the icy winter commute on Highway 169 to the summer road trips up north, Minnesotans face a range of driving conditions. That’s why North Central Insurance offers customized auto insurance policies that go beyond minimum state requirements.

Our agents work with you to ensure you’re covered for:

• Liability (bodily injury & property damage)
• Collision & comprehensive
• Uninsured/underinsured motorist
• Roadside assistance & towing
• Rental reimbursement
• Gap coverage for new vehicles

Whether you drive a car, truck, van, or hybrid, we’ll help you protect your passengers, your vehicle, and your wallet. We also offer multi-car discounts, safe driver rewards, and bundling options with home and life insurance for extra savings.

🏡 HOME INSURANCE

Protect your biggest investment with local expertise.

Your home is more than a structure — it’s where life happens. At North Central Insurance, we provide comprehensive homeowners insurance policies that shield you from the unexpected, whether you own a new home in Otsego, a historic property in Princeton, or a lakeside cottage in Big Lake.

Our home insurance policies can include:

• Dwelling protection (structure & attached buildings)
• Personal property (furniture, electronics, valuables)
• Liability coverage (accidents or injuries on your property)
• Loss of use (hotel/living expenses if displaced)
• Optional flood, sump pump, and sewer backup coverage

We also offer policies for renters, landlords, and vacation homes, ensuring every type of property is protected.

🏥 HEALTH & MEDICARE INSURANCE

Personalized healthcare coverage for every life stage.

Healthcare is essential — but finding the right plan can be complicated. That’s why we simplify the process. Whether you’re seeking individual or family health insurance, or transitioning into Medicare, our licensed agents help you compare top plans and enroll with confidence.

We assist with:

• Individual & family health plans
• Dental & vision plans
• Short-term medical coverage
• Medicare Advantage (Part C)
• Medicare Supplement (Medigap)
• Prescription Drug Plans (Part D)

We proudly serve seniors in Zimmerman, Elk River, and surrounding areas with expert Medicare guidance during open enrollment and beyond. Our local team helps you get the care you need, with the coverage you can afford.

💼 BUSINESS INSURANCE

Protect your livelihood with business coverage that grows with you.

Whether you’re running a small shop in Becker, operating a construction company in Elk River, or managing a remote team from Zimmerman, your business faces unique risks. North Central Insurance offers flexible commercial insurance solutions designed to protect your property, employees, customers, and income.

Our business insurance options include:

• General liability insurance
• Commercial property insurance
• Business Owner’s Policies (BOP)
• Workers’ compensation
• Professional liability (E&O)
• Commercial auto
• Cyber liability
• Umbrella policies

We take time to understand your industry and provide protection that meets legal requirements, contract obligations, and growth goals.

💖 LIFE INSURANCE

Secure your family’s future — no matter what tomorrow brings.

Life is unpredictable, but with the right coverage, your loved ones can be financially protected. Whether you’re starting a family in Big Lake, planning for retirement in Princeton, or caring for aging parents in Otsego, we help you choose life insurance that aligns with your goals and budget.

We offer:

• Term life insurance (affordable coverage for a set period)
• Whole life insurance (lifetime coverage with cash value)
• Universal life insurance (flexible premiums and benefits)
• Final expense insurance (to cover funeral costs and debts)

Let us help you create a legacy of protection, security, and peace of mind.

🏍️RECREATIONAL VEHICLE & SPECIALTY INSURANCE

Coverage for the Minnesota lifestyle — from trails to lakes.

Minnesota is a playground for outdoor adventure. Whether you’re camping near Lake Orono, riding snowmobiles through Sherburne County, or taking your ATV upstate, North Central Insurance helps you enjoy your hobbies with protection that moves with you.

We insure:

• RVs and travel trailers
• Motorcycles and scooters
• Boats and personal watercraft
• Snowmobiles
• ATVs, UTVs, and side-by-sides
• Golf carts

Our policies include physical damage, liability, guest passenger coverage, theft, fire, and storage protection during the off-season. We’ll tailor your plan based on how often you ride, where you store your vehicle, and how much you want to protect.

💬 Ready to Explore Your Coverage Options?

At North Central Insurance, we proudly serve Zimmerman, Big Lake, Princeton, Elk River, Becker, Otsego, and nearby communities with insurance that’s built around your needs — not someone else’s bottom line.

📞 Call us today at 763-241-7900
📍 Visit our local office 16856 Hwy 10, Elk River, MN 55330
💬 Request a free quote online — no pressure, no obligation.

One agency. Many carriers. Real protection.
North Central Insurance — Protecting What Matters Most!