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Minnesota Homeowner Insurance Quotes

Finding the best homeowners insurance in Minnesota can seem challenging. However, the agents at HomeownersInsurance.com have made it easy. Just complete one quick quote form to get comparative rates on the top home insurance coverage in Minnesota. Our team of licensed agents will help you choose the best policy at the lowest price to make sure your home is protected while keeping it affordable.

In December 2011, average Minnesota homeowners insurance rates were around $966.00. Average rates have increased since November 2011 when Minnesota homeowners were paying around $949.00 for standard home insurance coverage.

It's important to review your policy regularly to make sure you are taking advantage of all available discounts. A HomeownersInsurance.com agent can talk to you about the discounts available and see if you are missing out on important savings. While reviewing your discounts, we will also make sure you are adequately covered.

Standard Minnesota Home Insurance Coverages

Coverage
A

Dwelling: This coverage protects your home in the event it is damaged due to a covered claim. Coverage A could provide for a partial repair or a total replacement of your home under a standard Minnesota homeowners insurance policy.
B

Other Structures: A standard Minnesota home insurance policy provides coverage for other structures such as sheds or fences if damaged due to a covered claim.
C

Contents/Personal Property: Typically a Minnesota homeowners insurance policy provides coverage for your personal belongings inside your home if lost or damaged due to a covered peril.
D

Loss of Use: If your home is uninhabitable due to a covered claim, this coverage would provide for you to stay elsewhere while your Minnesota home is being repaired or rebuilt.
E

Personal Liability Protection: In Minnesota, this coverage would provide protection in the event you cause injuries or damages to other people or their property that do not live in your household.
F

Medical Payments: Medpay offers coverage if someone who is not a household member, is injured on your property. Your Minnesota homeowners insurance would provide up to the limits stated in your policy.

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For additional information about specific Minnesota homeowners insurance laws and regulations, visit the Minnesota Department of Commerce: Insurance website.

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