Northern State Agency

We are proud to be a locally owned independent Insurance Agency in Thief River Falls, MN. Our staff is here to help you protect everything that is important to you by working with a variety of reputable insurance carriers that allow us to provide you with individually tailored coverages.


Your home is one of your biggest investments. Let us help you protect it.

  • Available coverages include the physical structure of your home, as well as your personal property inside of it
  • Personal liability
  • Additional coverages are available for particularly valuable personal property such as musical instruments, jewelry, photography equipment, and hearing aids
  • In-home businesses
  • Seasonal homes
  • Renters/tenant homeowner’s protection for personal belongings and liability
  • Mobile home and park model trailers


Vehicles are important in our day-to-day lives. Whether yours takes you to work or school or is for your pleasure use, let us review your coverages and give you options on how to set up a program that protects you and fits your budget.

  • Liability and Full Coverage options to fit your individual needs
  • Pay-in full and monthly payment options

Recreational Vehicles

Owning a Recreational Vehicle is about enjoying life. Let us help take the stress out of protecting your toys so you can make the most out of every adventure.

  • Boats and trailers
  • ATVs
  • Snowmobiles
  • Motorcycles and scooters

Business & Commercial

You work hard to protect your employees and serve your customers. Let us help you protect your business with coverage solutions that specifically meet your business needs.

  • Property
  • Liability Coverage
  • Workers Compensation
  • Commercial auto
  • Inland marine/mobile equipment/tools
  • Apartment buildings and rental properties
  • Bonds


We offer coverages regulated through the National Flood Insurance Program (NFIP) to help you protect your building and personal property in a direct physical loss caused by a flood.

Federal Non-Discrimination Statement

Note: Insurance products are not a deposit, not insured by the FDIC, not insured by a Federal Government Agency, not guaranteed by the bank, and may go down in value.

  • 201 East Third Street
  • Thief River Falls, MN 56701
  • (218)681-4042
  • (218)681-8388 fax