Cooler mornings, changing leaves, football weekends, and maybe one last trip to the lake. 🍂 Fall is a great reminder that seasons change—and sometimes our insurance needs do too. If you've had changes to your home, vehicles, family, or finances this year, it may be a good time for an insurance review. Our local State Farm team can help answer questions about auto insurance, home insurance, renters insurance, and life insurance so you can head into the rest of the year feeling prepared.

WATCH FOR DEER!

It's that time of year again. 🦌🚗

Fall means beautiful scenery—but it can also mean more wildlife near the road.

A few reminders for your fall drives:

• Stay especially alert around dawn and dusk

• Watch for deer crossing signs

• If you see one deer, watch for others nearby

• Avoid distracted driving

• Give yourself extra stopping distance

And here's an insurance question worth asking: Do you know how your auto insurance would respond if you hit a deer? Understanding your car insurance coverage before you need it is always better than trying to figure it out afterward. Have questions? Our team is here to help.

I’ve been proudly assisting our community as a State Farm agent since 2021! With a team that has over 75 years of combined experience helping customers and families just like you, our agency is equipped to help ensure you are properly protected. Our office in Park Rapids is excited to serve all of Minnesota, including Akeley, Dorset, Nevis, Osage, Menahga, Sebeka, Lake George, Laporte and beyond. We offer almost every type of insurance you could need: Auto, Home, Renters, Life, Business, Disability, Boat, Snowmobile, ATV, Camper, Personal Articles, Bonds—you name it!

I grew up in Little Falls, where my parents were heavily involved in the community. My dad owned and operated the local Dairy Queen, while my mom worked as a real estate agent. I spent countless hours learning from both of them and gaining an appreciation for small business ownership. After high school, I attended Minnesota State University Moorhead, where I earned my dual major in English and Mass Communications, along with a minor in economics.

Now, I live right here in Park Rapids. My husband, Nick, and I were excited to return to Minnesota in 2021 after spending seven years in the Fargo/Moorhead area. Our German Shepherd/Husky mix, Booker, is our adventure companion—he goes everywhere with us! In 2025 we expanded our family with the arrival of our daughter, Ruth. Living on the Fishhook River, we spend many evenings out on the boat or relaxing on our back deck, taking in the beautiful view.

When I’m not in the office, you can usually find me reading a book, watching baseball or hockey, and spending time outdoors. In the summer, Nick and I compete in the Rotary Dragon Boat racing and were proud to be part of the team that won gold at the Lake Superior meet. We also love to travel and always have our next trip planned!

Our agency takes pride in our focus on educating our customers. We take the time to explain everything - from the basics of liability coverage on autos, all the way to the finer details of a homeowners policy. It certainly takes more time, but we want our customers to feel confident and informed about their coverage when they leave our office. With my small business background, we also specialize in helping business owners find the right coverage for their unique operations. No two businesses are alike, and we enjoy the challenge of creating customized policies that address their biggest concerns.

Building long-term relationships with our customers is one of our top priorities! Regular check-ins are a key part of our process to ensure our customers’ coverage still makes sense for their lives. New customers also go through a structured process to get to know our team and feel comfortable with us. Our conversations are deeper than transactional, and we truly care about the people we serve.

I’m proud to be active in my community as a chamber member and regularly volunteer with the Armory Arts and Events Center. I am also a Rotary member – I love giving back to the Park Rapids area!

If you’re looking for an agency that will take the time to educate, listen, and make sure you truly understand your long-term protection, we’d love to work with you. Give us a call or stop by our Park Rapids office today – we’re here to help!

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Q: What steps should I take immediately after an auto accident?

A: Make sure everyone is safe, call emergency services if necessary, exchange contact and insurance information with the other drivers, and document the scene with photos. Once you're safe, reach out to us so we can guide you through filing your claim. Marie Luetmer is proud to support the Park Rapids community when unexpected events happen.

Q: When do I need to add my teenager to my auto insurance?

A: You typically need to notify your insurance provider once your teenager receives their driving permit or driver's license. Adding a young driver is a major milestone, and we can explore options like good student discounts to help manage costs. Marie Luetmer works with Park Rapids families to keep young drivers protected.

Q: What type of insurance does a small business owner need?

A: Business needs depend on your industry, but common options include general liability, commercial property, professional liability, and commercial auto insurance. Marie Luetmer serves business owners across Park Rapids to help protect your hard work.