Personal Insurance Plans

Proudly Serving Waseca, MN & Surrounding Communities

The Randy Mulcahey Agency in Waseca, MN has provided quality personal insurance plans since 2002. We are dedicated to providing our clients with comprehensive, competitive insurance protection. As an independent insurance agency, we work for our clients, not insurance companies. Our goal is to provide individuals and businesses with coverage that gives them peace of mind. In addition, we work to build long-lasting, strong relationships with our clients, and to get their know their needs, goals, and situation.

We are proud to offer the following personal insurance coverages:

Auto Insurance

The potential for an accident exists every time you get behind the wheel of an automobile. With the Randy Mulcahey Agency, we will not just insure your car, we can help ensure your independence. Our affordable, flexible car insurance options can be tailored to fit your needs. Our team is dedicated to helping you find the policy you need and deserve. Personal automobile insurance can repair or replace your vehicle and protect you from financial ruin.

Homeowners Insurance

Whether you own a condo, house, or rent an apartment, you home is one of your most valuable assets. The right homeowner’s insurance protects you from financial loss in the event your property is damaged, destroyed. In addition, a home insurance policy can provide liability protection and much more. Many individuals are underinsured because their policy is based on market value, rather than the true replacement cost of the home. Together with you, we will evaluate what risks your property is exposed to, and what endorsements you need to adequately protect your home.

Health Insurance

Finding the right individual health insurance plan can be challenged, especially with rising insurance rates. When you choose our insurance agency in Waseca, MN, you can count on receiving the best possible policies and coverage. We will help you explore the available options and find you an affordable way to manage you and your family’s healthcare needs.


If you were suddenly gone, what would happen to your loved ones? Would they be clear of debts? Could your children afford their higher education? Could your spouse fulfill the plans you made with each other? Life insurance policies provide protection to your loved ones after you are gone and can reduce financial worry. Because people are living longer, life insurance premiums are more affordable today. There are many life insurance options out there, so we will work with you to determine which type of plan fits your needs and current situation.

Term Life

This type of policy provides you with an affordable way to protect your loved ones for a specified period of time such as 10, 20, or 30 years of coverage and guaranteed benefit. Our insurance agents will work with you to make sure you receive the right insurance plan for your family. This plan is often chosen by clients who need coverage to protect debt, children, and loved ones.

Permanent Life

There are many benefits to a permanent life insurance policy. It can help better prepare your family for the unexpected and build a cash value you can use during your lifetime. It can also provide you with equity for loans and fixed payments that do not increase over time. This type of insurance policy can be the foundation for your family’s financial protection, and we will work with you to create a policy that fits your current and future needs.

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Like any business, no two farms are alike, so neither should your farm insurance policy. Together with you, our insurance agent will evaluate your farm’s coverage needs and help you create a policy that protects your hard work. Our goal is to help you receive a policy that gives you a better peace of mind, and helps you rest easy knowing the challenges you face in farming are backed by strong coverage options.

This coverage can include machinery and equipment, farm dwellings, vehicles, personal property, and more. Now offering Hail and Multi-Peril crop insurance as well.


To ensure you keep having fun with your off road and all terrain vehicles, it is important to have the right ATV insurance policy. We will work together with you to find a policy that keeps you protected in the event your off road vehicle is stolen, damaged, or wrecked. Our range of coverage includes policies for ATVs, dirt bikes, side-by-sides, and 4wds.


When you are out on the water, we want to make sure you have a peace of mind. You should be able to enjoy your watercraft without worry of having a below part insurance policy. Together, we will evaluate your current marine insurance policy or help you design a new one. Our goal is to help you enjoy your time out on the water without worry.


A travel trailer or motor home has additional insurance needs apart from your standard homeowner’s or auto insurance policy. At the Randy Mulcahey Agency, we will work with you to gain a full understanding of your needs, and will help you find the policies you need to keep you covered in the event of an accident or mishap.


After the first snow, there is nothing like hitting the trails on your snowmobile and enjoying fresh air and scenery. Here at the Randy Mulcahey Agency, we are dedicated to helping you find the coverage you need to keep yourself protected out on the trail. A snowmobile insurance policy goes above and beyond what your auto or homeowners insurance covers. We provide a range of coverage options to ensure you have a peace of mind while out on the trail.

Over 35 Years of Personal Insurance Experience

The team at the Randy Mulcahey Agency in Waseca, MN have 35+ years of experience in the insurance industry. Since 2002, we have provided residents and business owners across Southern Minnesota with a full range of insurance options. Our goal is help you find coverage for every area of your life. We are dedicated to building long-lasting, strong relationships with our clients.

For more information about our available insurance policies, our agency, or to request a quote, please contact us today at 507-835-4600 today.