Finding competitive, low cost home owners insurance quotes in Minnesota does not have to be a chore. At HomeInsurance.com, you can fill out one form to get a low rate on comprehensive Minnesota home insurance coverage. Rest assured knowing our team of Minnesota licensed insurance consultants are standing by to give you top notch advice on homeowner insurance coverages and rates in your area.
The average Minnesota homeowners insurance rate in September 2009 was $774.00. It appears that rates have increased since August 2009 when average rates in Minnesota were around $773.00.
Since rates have increased in recent months, it’s important to continue to save money and find great coverage on your Minnesota homeowners insurance. Be sure to review your home insurance policy with your local Minnesota insurance agent regularly to ensure that you are qualifying for all available discounts. Also, check your Minnesota home owners insurance policy to be sure you are still getting the coverage you need for your home and family.
Standard Minnesota Home Insurance Coverages
| A | Dwelling: A standard Minnesota homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Minnesota home insurance policy |
| C | Contents/Personal Property: A Minnesota home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Minnesota home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Minnesota, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Minnesota MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Other Minnesota Homeowners Resources:
- Home Insurance Quiz- How much do you know about your Minnesota home insurance policy? Quiz yourself!
- homeowner insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Minnesota
- Minnesota Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your Minnesota county:
- Yellow Medicine
- Wright
- Winona
- Wilkin
- Watonwan
- Washington
- Waseca
- Wadena
- Wabasha
- Traverse
- Todd
- Swift
- Stevens
- Steele
- Stearns
- Sibley
- Sherburne
- Scott
- Saint Louis
- Roseau
- Rock
- Rice
- Renville
- Redwood
- Red Lake
- Ramsey
- Pope
- Polk
- Pipestone
- Pine
- Pennington
- Otter Tail
- Olmsted
- Norman
- Nobles
- Nicollet
- Murray
- Mower
- Morrison
- Mille Lacs
- Meeker
- Mcleod
- Martin
- Marshall
- Mahnomen
- Lyon
- Lincoln
- Le Sueur
- Lake Of The Woods
- Lake
- Lac Qui Parle
- Koochiching
- Kittson
- Kandiyohi
- Kanabec
- Jackson
- Itasca
- Isanti
- Hubbard
- Houston
- Hennepin
- Grant
- Goodhue
- Freeborn
- Fillmore
- Faribault
- Douglas
- Dodge
- Dakota
- Crow Wing
- Cottonwood
- Cook
- Clearwater
- Clay
- Chisago
- Chippewa
- Cass
- Carver
- Carlton
- Brown
- Blue Earth
- Big Stone
- Benton
- Beltrami
- Becker
- Anoka
- Aitkin
For additional information about specific insurance laws in Minnesota, visit the Minnesota Department of Commerce: Insurance website.
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