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Best Homeowners Insurance in Minnesota

If an unexpected event damages your home or personal belongings, a Minnesota homeowners insurance policy can provide the necessary protection. In this review, we explain what a policy covers, discuss how much homeowners insurance costs, and recommend the best home insurance companies in Minnesota.

To get quotes from providers in your area, call 855-948-5219 or enter your zip code in our free quote tool:

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3 Best Homeowners Insurance Companies in Minnesota

We ranked the top home insurance companies based on customer service, pricing, coverage options, and more:


Allstate offers nine homeowner discounts, making them one of the most affordable companies for homeowners insurance. Some of their discounts include ones for bundling policies, being claims-free, and buying a home.

Benefits of Allstate Home Insurance

  • 24/7 customer service
  • Choice of 60% or 75% of dwelling for personal property coverage
  • Unique endorsement to protect your yard and garden

To connect with an Allstate agent based on your location click here, or use the quote tool below.

Learn More: Allstate Home Insurance Review


Farmers homeowners insurance offers more liability coverage than other homeowners insurance providers. While most companies, including Allstate and Amica®, cap liability coverage at $500,000 or $1 million, Farmers allows you to purchase up to $2 million of liability coverage.

Benefits of Farmers Home Insurance

  • Customizable dwelling, other structures, personal property, and loss of use coverage
  • Deductibles split into hurricane, wind and hail, and all other perils
  • Seven additional coverage options to customize your policy

Receive an instant quote from Farmers by clicking here, or use quote tool below. If Farmers doesn’t offer coverage in your neighborhood, they’ll match you with the next best provider.

Learn More: Farmers Home Insurance Review


Amica offers the cheapest homeowners insurance policy in this review. While an Amica home insurance policy comes with dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage like Allstate and Farmers policies, the sample quote we received from Amica is $100 to $200 cheaper than the quotes we received from Allstate and Farmers.

Benefits of Amica Home Insurance

  • Nine liability coverage options
  • Five discounts for affordable insurance premiums
  • Over 110 years of experience providing insurance products and services

Learn More: Amica Home Insurance Review

Minnesota Homeowners Insurance Coverage

Minnesota homeowners insurance covers six areas of coverage:

  1. Dwelling—This part of your policy covers the cost to rebuild your home. To determine how much it would cost to rebuild your home, use the estimation provided by the insurance company or talk to a local appraiser. Having the correct rebuilding cost is important because it determines other structures, personal property, and loss of use coverage on top of dwelling coverage.
  2. Other structures—If an event destroys detached structures on your property, like a shed or fence, your policy will pay to rebuild these items. You’ll typically get 10% of dwelling coverage for other structures coverage. This means that if your home costs $250,000 to rebuild, other structures coverage will be $25,000.
  3. Personal property—This pays to replace all of your personal belongings if they’re damaged by a covered event. You can purchase a policy that will pay to replace your items with ones of equal value or a policy that will pay for new items. Most companies provide at least 50% of dwelling coverage for this type of coverage.
  4. Loss of use—If an event destroys your home and makes it temporarily uninhabitable, your policy will pay for you to live elsewhere during repairs. Loss of use coverage is usually 20% of dwelling.
  5. Personal liability—Liability coverage protects you when you cause bodily injury or property damage to another person. Consider purchasing coverage for all of your assets, including cars, secondary homes, and businesses to protect you if you’re sued. Most homeowners need at least $300,000 of personal liability protection.
  6. Medical payments to others—If someone gets injured in your home, your policy will pay for their medical bills. This usually amounts to $1,000 per person.

How Much Does a Homeowners Insurance Policy Cost in Minnesota?

The average cost of homeowners insurance in Minnesota in 2017 was around $112 per month, according to the Insurance Information Institute. At the time, it was the 14th-most expensive state for homeowners insurance in the country.

Compare Homeowners Insurance Policies
Answer a few simple questions and we’ll take care of the rest.

Factors to Consider Before Buying Homeowners Insurance

Consider these factors when looking for a Minnesota home insurance policy:

  • Climate—In Minnesota, temperatures can reach negative degrees and several feet of snow is common. This weather can cause damage from freezing pipes or frozen precipitation. Make sure your insurance policy will cover these events so that you don’t have to pay for any structural or water damage yourself.
  • Marital status—Insurance companies tend to give lower homeowners insurance rates to married couples because married couples tend to file fewer insurance claims and are usually more financially stable.
  • Body of water—Insurance policies tend to cost more when you live near a body of water because of an increased risk of flooding. See if your insurance provider offers an endorsement for flood coverage or look into a separate flood insurance policy.
  • Claims history—If you’ve filed more than two claims in the past five years, your insurance rate will be higher because companies assume you’ll continue to file claims. The same is true if past owners of your home filed claims, as this suggests a potential problem with your home that may lead to future claims your insurance company will have to pay for.

Compare Homeowners Insurance Coverage Options

Best For Star Rating Link
State Farm Best Endorsements
Allstate Best Coverage Options
Travelers Most Experience
American Family Most Comprehensive Coverage
Liberty Mutual Best Discounts
Farmers Most Customizable Coverage
State Farm
Best For Best Endorsements
Star Rating
Best For Best Coverage Options
Star Rating
Best For Most Experience
Star Rating
American Family
Best For Most Comprehensive Coverage
Star Rating
Liberty Mutual
Best For Best Discounts
Star Rating
Best For Most Customizable Coverage
Star Rating

Our Conclusion

Allstate, Farmers, and Amica are all trusted names in the home insurance industry and offer comprehensive policies to Minnesota homeowners. To see how much these companies would charge to protect your home and personal belongings, call 855-948-5219 or use our zip code tool below.

Useful Resources for Residents in Minnesota

FAQs About Homeowners Insurance in Minnestoa

Does homeowners insurance cover valuable items?

If you want to cover jewelry, antiques, artwork, or other collectibles, you may have to buy an endorsement to cover these items because they likely cost more than the personal property coverage cap in your homeowners insurance policy. Most companies offer endorsements for jewelry, valuable personal property, or scheduled personal property.

What is a home inventory?

A home inventory is a list of all the personal belongings you have and how much they’re worth. Creating a home inventory ensures that the amount of personal property coverage you receive is enough to cover your items if they need to be replaced. It also helps to determine what you lost if a covered event destroys your property.

Does homeowners insurance cover personal injury?

No. In general, home insurance companies cover injuries to others, but some companies, like American Family, offer a personal injury endorsement that will cover medical bills for you or anyone else on the policy.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

The This Old House Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability.

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