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Get the right insurance plans for your peace-of-mind!

About Us



We have years of insurance experience helping clients prepare for the unknown. Ask us about:

  • Home
  • Auto
  • Farm
  • Commercial
  • Crop and Hail

Find out more

Request a Quote


 Everyone has different insurance needs. Call us today for a personalized business or individual assessment and find out how we can help protect your hard-won assets. 

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Report an insurance claim online with ease. 

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Our Team

Tom Estrem


Tom is the President of Farmers Agency. He founded the agency in 1982 and with over 40+ years of experience in Farm Risk Management he is an invaluable asset to your risk management needs. Tom always offers a well-rounded solution on your insurance questions. 

Barb Estrem


Barb has been with Farmers Agency since its beginning in 1982. She wears many hats in the agency including bookkeeper, marketing manager, supply manager, and everything in between to keep the agency running. 

Matt Allen, AFIS, CIC


Matt joined Farmers Agency and moved to Elbow Lake  in 2010. He holds an Agribusiness and Farming Insurance Specialist (AFIS) and Certified Insurance Counselor (CIC) designation as well as a Masters in Business from the Carlson School of Management. Matt provides Farm, Personal, Commercial and Crop Insurance and helps clients understand how  Ag Policy and Ag/Rural Risks affect their operation

Our Team

Holly Fisk, CISR


Holly joined Farmers Agency as a Crop Insurance Account Manager in 2005. Crop Insurance is about details and Holly makes sure your crop insurance policies are complete, claims are submitted, and endorsements are added. Holly has lived in the Elbow Lake area for over 20 years. 

Amy Puchalski, CISR


Amy joined the Farmers Agency team in 2012. She works with Farm, Home, Auto, Commercial and Hail policies in our agency.  Since Amy grew up in the Hoffman area and has been around agriculture all of her life she brings a wealth of knowledge to our office.

Haily Loeks


Haily began her time with Farmers Agency in 2011, working part time through High School and College. She joined our team full-time in 2016.  She works with Farm, Home, Auto, Commercial, Hail and Crop Insurance policies. She holds a BA from the College of St. Benedict, lives near Elbow Lake, and is very active in the community. 

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Contact Us

Farmers Agency Inc.

Farmers Agency Inc. 105 1st Ave NE PO Box 1060 Elbow Lake, MN 56531 US

(218) 685-6880 (888)-323-5269 Toll Free


Monday-Friday: 8:00am- 5:000pm