Pine City - (320) 629-2515      Aitkin - (218) 927-4114      Ham Lake - (763) 413-7848

Home, Auto & More

We will tailor a quote that fits your needs specifically. We're not some massive one-size-fits-all company. We live and work in your community and can get you the best price out there.

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Pizza or Delivery Service

Any business that delivers is exposed to unique risks. We have agents that own and operate their own Pizza shop. We understand your business.

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We Know Resorts

We insure over 150 resorts like yours. Contact us today to learn about the unique challenges of protecting your business. Get coverage from someone that understands your world.

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Pine Insurance = Value + Service


We understand that for you, your family, and your business insurance is something you need, but you don't want to pay more for it than you have to. Getting a good value doesn't always mean the lowest cost, especially in insurance. Paying less for a policy that doesn't take care of you when you need it most doesn't save you money in the long run.

Pine Insurance is an independent agency. Unlike one of those huge companies out there, we can find you the best coverage for the best price, selected from over 50 insurance providers. We make them compete for your business. We don't work for one of the mega-insurers, we work for you.


If you have a claim, you want to know that you're going to get the help and attention you need. You don't want to rely on some big call center located who knows where or be stuck to on-line only access.

When you call us, we know your name, your family, your business. We don't have an incentive to find ways to deny your claim, we're your advocate. We go to work for you making sure you get the coverage you deserve. With Pine Insurance Agency, you get the best service without being held captive to a 1-800 number.