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Minnesota Homeowners Insurance Quotes

If you are shopping for Minnesota homeowners insurance quotes, you should know the days of sacrificing coverage for a budget-friendly premium are over. With HomeownersInsurance.com, Minnesota homeowners can find policies that offer protection and savings. Our licensed agents find you best deals by comparing multiple Minnesota homeowners insurance quotes from top providers. You'll work one-on-one with an agent to find a policy that saves you money and gives you the coverage you deserve.

Your time is valuable, so why waste it searching around for different home insurance quotes? Let one of our dedicated agents do the comparison shopping for you. Call now and you can receive up to eight Minnesota homeowners insurance quotes.

Our most recent Minnesota homeowners insurance quotes

Want an idea of how much you could save on Minnesota homeowners insurance premiums? Below are the details of the last five policies written in Minnesota by HomeownersInsurance.com agents. Don't forget that square footage, location, and other factors can affect the premium.

Home 1Home 2Home 3Home 4Home 5
Premium Amount $1,211 $890 $831 $924 $1,421
Premium with Auto Discount$1,029†$757†$706†$785†$1,208†
Carrier ASI ASI ASI ASI ASI
Zip 55311 55449 55011 55423 55345
Year Built 2011 2011 1986 1987 1985
Foundation type Basement Basement Slab Basement Basement
Lot Size 18,731 Sq Ft N/A N/A 8,503 Sq Ft 21,956 Sq Ft
Square Feet 3,086 Sq Ft 3,176 Sq Ft 1,480 Sq Ft 1,404 Sq Ft 1,949 Sq Ft
Bedrooms 5 5 3 4 4
Bathrooms 5.0 4.0 1.0 1.75 3.5
Discounts














Primary Heat Source Central Gas Central Gas Central Gas Central Gas Central Gas
† Estimate if the homeowner had bundled coverages.

Don't let your Minnesota neighbors get all the savings. Get quoted your own low premium today. Just enter your ZIP code in the form above or call us directly at 1-877-919-2740 to get Minnesota homeowners insurance quotes customized just for you by one of our friendly agents.

Home insurance rates in Minnesota

Homeowners in Minnesota are paying around $911.00 for home insurance as of March of 2014. Rates have decreased since February when Minnesota homeowners insurance premiums were approximately $913.00. The rate of $911/year reflects standard coverage and does not include flood or earthquake damage which is covered under a separate policy.

Even when average Minnesota homeowners insurance rates decline, you should still continue your search for savings. Make it a point to shop annually for coverage and take advantage of available discounts. Homeowners can often save up to 20% by bundling their home and auto policies with one carrier and save up to 10% - sometimes more – by having a security alarm installed in their home.

Here are some other common price breaks you can ask about:

  • Claims-free discount
  • 55, retiree discount
  • Nonsmoker discount
  • New home discount

Don't be afraid to ask about even more available discounts. Our agents love to help you save!

Standard Minnesota homeowners insurance coverage

When you buy a standard homeowners insurance policy, you get more than just coverage for the structure of your home. Here's what typically is included:

  1. Dwelling: Protects your home's structure against covered perils such as wind and fire. Your dwelling coverage should be enough to replace your home in the event of a complete loss.
  2. Other Structures: Standard Minnesota homeowners insurance policies offer protection for structures on your property such as detached garages, sheds, fences, etc.
  3. Contents/Personal Property: Offers protection for the personal possessions in your home, including electronics, furniture, clothing, jewelry, etc. You may need to purchase additional coverage if you own high values items because the standard coverage may not fully cover them.
  4. Loss of Use: In the event your home becomes partially or entirely uninhabitable due to a covered peril, your loss of use coverage could reimburse you for living expenses incurred while being temporarily displaced.
  5. Personal Liability Protection: MN policies provide financial protection in the event a visitor is injured on your property and decides to sue you.
  6. Medical Payments: Reimburses you for medical bills if someone is hurt on your property and doesn't plan to sue you.

What's not covered

Did you know standard Minnesota homeowners insurance policies do not offer coverage for flood damage? Homeowners who need flood protection can purchase a separate policy through the National Flood Insurance Program. For homes located in flood plains, flood insurance is a necessity. For homes not located in flood plains, flood insurance should still be considered. Weather can be unexpected and homeowners in the Northeast whose homes were damaged by the rising waters from Superstorm Sandy are a testament to that. Learn more about the National Flood Insurance Program .

Review your home insurance policy and see what perils are covered and which are not. You may need to adjust your coverage in order to have full protection. Refer back to your policy and contact your agent if you ever have questions regarding your coverage.

For more general information on insurance in Minnesota, visit the Minnesota Department of Insurance.