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Homeowners, Auto, and Recreational Vehicle Insurance in Bemidji, MN

Skating Bemidji Residents Toward Adequate Insurance Protection

A community nestled in northern Minnesota, the residents of Bemidji are known as an active, spirited group. Whether cheering on the Bemidji State hockey team or meeting up for a game of curling, you will often find community members out and about showing their passions.


At Bemidji Insurance Plus, we are proud to not only be a reliable neighbor, but also trusted insurance provider for individuals, families, and business owners in Bemidji, Minnesota. Our team is passionate about the insurance business, and has been serving the surrounding Bemidji area for more than three decades.  

A Defense of Coverage Designed for Minnesotans

The area you live, work, and play produces specific risks. As an agency local to Bemidji, we have an advantage when seeking out these hazards. Every policy we produce is carefully reviewed through this lens, with careful consideration taken for long-term loss prevention. Our agency boasts a wide-range of insurance coverage options. With this portfolio, we are able to keep rates very competitive.


A comprehensive personal insurance program is accessible to Bemidji individuals and families, alike. Homeowners and auto insurance serve as the foundation of this program, with carful consideration taken for all your valuable assets. Consider combining home and auto protection for streamlined services and discounted rates.


For boat owners in the ‘Land of 10,000 Lakes,’ we assist in anchoring down coverage for your watercraft. Detailed protection extends to other toy assets, including motorcycles, ATVs, and snowmobiles.

A Local Team Serving Their Bemidji Neighbors

From biking around Lake Bemidji to strolling through the Bemidji Art Walk, you will probably see our agency owner, Merritt Hougard, and his family out and about in the local Bemidji community. We encourage you to say ‘hello,’ or feel free to contact us at your convenience.


If you are interested in working with us, please feel free to request a quote.

Additional Resources:

  1. Information for Bemidji Residents (City of Bemidji, Minnesota)
  2. Events and Networking in Bemidji  (Bemidji Chamber of Commerce)

Our Location

Bemidji Insurance Plus

823 Washington Ave S.
Bemidji, MN 56601
Main office: 218-751-3771
Fax: 218-429-0245

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
- Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
- Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
- Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
- Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
- Susan T.