Finding competitive, low cost home 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 to coverages and rates in your area.
Homeowners in Minnesota are paying around $926.00 for home insurance as of September of 2011. Rates have increased since August when Minnesota homeowners insurance premiums were approximately $904.00. The rate of $926/year includes standard coverage and not flood or earthquake damage which is covered under a separate policy. Read more about flood insurance.
Average Premiums for Home Insurance In Minnesota |
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| Sep 2011 | Aug 2011 | Jul 2011 | Jun 2011 | May 2011 |
| $926.00 | $904.00 | $891.00 | $880.00 | $863.00 |
Since average Minnesota homeowners insurance premiums have increased, you should stay mindful of how much you are paying to insure your home. Taking advantage of discounts can make sure your rates stay low while keeping your coverage intact. The biggest savings can usually be found with a home-auto discount which can save you around 20% on your Minnesota policy. Other discounts may be offered for homes that have burglar alarms and deadbolt locks.
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. |
Minnesota Homeowners Insurance News
- Summer could bring historic flooding Monday, July 11, 2011
- Insurers launch response after deadly weekend tornadoes Wednesday, May 25, 2011
- Work on Metrodome roof begins Monday, April 04, 2011
- Minnesota officials advise residents to review flood coverageTuesday, March 08, 2011
- Minnesota community wants to be removed from FEMA's floodplain mapTuesday, February 08, 2011
Other Minnesota Homeowners Resources:
- Home Insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Minnesota
- Disaster Preparedness Guide- Make sure your home and family is protected.
- Are you qualifying for all available discounts in Minnesota? Check out our list of available home insurance discounts.
Search for home insurance in your Minnesota county:
- Aitkin
- Anoka
- Becker
- Beltrami
- Benton
- Big Stone
- Blue Earth
- Brown
- Carlton
- Carver
- Cass
- Chippewa
- Chisago
- Clay
- Clearwater
- Cook
- Cottonwood
- Crow Wing
- Dakota
- Dodge
- Douglas
- Faribault
- Fillmore
- Freeborn
- Goodhue
- Grant
- Hennepin
- Houston
- Hubbard
- Isanti
- Itasca
- Jackson
- Kanabec
- Kandiyohi
- Kittson
- Koochiching
- Lac Qui Parle
- Lake
- Lake Of The Woods
- Le Sueur
- Lincoln
- Lyon
- Mahnomen
- Marshall
- Martin
- Mcleod
- Meeker
- Mille Lacs
- Morrison
- Mower
- Murray
- Nicollet
- Nobles
- Norman
- Olmsted
- Otter Tail
- Pennington
- Pine
- Pipestone
- Polk
- Pope
- Ramsey
- Red Lake
- Redwood
- Renville
- Rice
- Rock
- Roseau
- Saint Louis
- Scott
- Sherburne
- Sibley
- Stearns
- Steele
- Stevens
- Swift
- Todd
- Traverse
- Wabasha
- Wadena
- Waseca
- Washington
- Watonwan
- Wilkin
- Winona
- Wright
- Yellow Medicine
Customer Reviews in Minnesota
For additional information about specific insurance laws in Minnesota, visit the Minnesota Department of Commerce: Insurance website.

