Palo Mutual is a mutual insurance company owned by its policyholders and has served Northern Minnesota for over 100 years. Palo Mutual operates in the counties of Cass, Cook, Crow Wing, Hubbard, Itasca Lake, Koochiching and St. Louis. We insure homes, farms and cabins. We also insure approved woodstove installations. You may ask, "Why insure with Palo Mutual?" As a local company, not located thousands of miles away, we can provide quick service especially during claim time. Palo Mutual is a Minnesota Company Serving Minnesota People with local service and quick response to claims.