The Best Home Insurance in Minnesota for 2025
Chubb and Country Financial are among the best home insurance companies in Minnesota.Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.Why trust NerdWallet
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More than 270 million rates analyzed by our team of specialists.
More than 50 insurance companies analyzed in all 50 states and Washington D.C. (See our top picks.)
Chubb and Country Financial are among the best home insurance companies in Minnesota, according to our analysis.
We analyzed data from more than 30 insurance companies to help you find the best home insurance in Minnesota. Below are the insurers that earned 4.5 stars or more in our analysis. Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
» MORE: The best homeowners insurance
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Here's more information about the best homeowners insurance companies in Minnesota.

Amica
Well-established insurer known for great customer service.- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Simple online claims filing and tracking.
- You can start a quote online but have to finish the buying process by phone.
Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.
You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.
» READ MORE: Amica homeowners insurance review

Auto-Owners
Auto-Owners offers plenty of ways to customize your policy and save money on home insurance.- Large number of discounts.
- Has optional specialty coverage not offered by many other insurers.
- Very few consumer complaints.
- No online quotes or claims submission.
Auto-Owners has been in business for more than a century. Its homeowners policies include all the basics, but you can also add coverage for things like identity theft or the failure of major appliances. Guaranteed replacement cost coverage is another optional add-on, enabling you to rebuild your home after a total loss even if your dwelling coverage limit is too low.
Auto-Owners sells homeowners insurance through independent agents.
» READ MORE: Auto-Owners home insurance review

Chubb
Perks and high coverage limits for affluent homeowners.- Significantly fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Large number of potential discounts.
- Most consumers aren't able to get a quote online and will instead need to contact a local agent.
Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost in case it costs more than your dwelling limit to rebuild your home after a disaster.
Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.
» READ MORE: Chubb homeowners insurance review

Country Financial
Best for those who prefer to have a personal conversation with an agent when choosing coverage.- Far fewer complaints than expected for a company of its size.
- Many discounts and coverage options available.
- Can get an online quote but must finish the purchase over the phone.
Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You also have the option to add extra coverage for the structure of your home, in case inflation drives up the cost of rebuilding more than you expect.
Country Financial sells homeowners insurance through local representatives. The company has drawn far fewer complaints than expected to state regulators.
» READ MORE: Country Financial homeowners insurance review

Allstate
Widely available across the U.S. with lots of ways to customize your policy.- Lots of discounts to help you save.
- Home-sharing coverage available.
- Many ways to customize your coverage.
- Ranked below average in J.D. Power’s 2024 U.S. Home Insurance Study.
Allstate is one of the largest home insurance companies in the U.S. The company offers many ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other, less common options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.
You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible for signing up, plus an additional $100 off for each year you go claim-free. And if you do file a claim, your rates won’t go up.
» READ MORE: Allstate homeowners insurance review

American Family
Customizable coverage and discounts for smart-home devices.- Variety of coverage options.
- Discounts available for qualifying smart-home devices.
- Far fewer consumer complaints than expected for a company of its size.
- May restrict liability coverage for certain dog breeds.
American Family receives far fewer consumer complaints than expected for a company of its size, which suggests policyholders tend to be happy with its service. You may be able to add coverage for identity theft, the breakdown of major appliances or repairs to service lines that run to your house.
Discounts may be available for installing smart-home devices, bundling multiple policies or setting up automatic payments.
» READ MORE: American Family homeowners insurance review

Auto Club Group
Sells homeowners insurance on behalf of AAA in states like North and South Carolina.- Many coverage options and discounts available.
- AAA membership includes roadside assistance and other benefits.
- Fewer consumer complaints than expected for a company of its size.
- A membership fee may be required.
- May have to switch insurers if you move states.
- Restricts coverage for certain dog breeds.
Auto Club Group is one of several companies selling AAA-branded homeowners insurance policies. Options may include coverage for underground utility lines that serve your home, major appliances that break down or flood damage in lower-risk areas.
You may be able to save on your premiums by bundling home and auto insurance. However, you’ll want to weigh the savings against the cost of AAA membership, which may be required in order to buy a policy.
» READ MORE: AAA home insurance review

Cincinnati Insurance
Sells homeowners policies through local independent agents across the U.S.- Various coverage options.
- Far fewer complaints than expected for a company of its size.
- Has special coverage packages for higher-value homes.
- No online quotes.
Cincinnati Insurance sells homeowners policies through independent agents, with various options for standard and high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.
Cincinnati may offer you a discount for bundling home and auto insurance, having a newer home or installing a centrally monitored alarm system.
» READ MORE: Cincinnati Insurance homeowners insurance review
Farmers
Those seeking policy add-ons like diminishing deductibles and claims forgiveness may want to consider Farmers.- Several coverage options can help save money.
- Less common coverage options are available.
- Discounts for nonsmokers and members of certain professions.
- Tends to be more expensive than many competitors.
- Ranked below average for customer satisfaction in J.D. Power’s 2024 U.S. Home Insurance Study.
Farmers stands out for its lengthy list of discounts, including ones for installing protective systems like fire alarms and sprinklers, not smoking for the past two years, and paying your premium on time.
Add-on options include personal property replacement cost coverage, which will fully reimburse you for the cost of replacing a stolen, damaged or destroyed item. You may also want to buy water backup coverage, which applies if sewer lines or sump pumps back up and damage your home.
» READ MORE: Farmers home insurance review

Nationwide
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.- Offers free smart device to prevent electrical fires in many states.
- Many discounts available.
- Website offers lots of useful features and information.
- Doesn't insure mobile or manufactured homes.
We like Nationwide for its wide variety of coverage options. For example, its standard homeowners insurance policy generally includes ordinance or law coverage, which can help pay to bring your home up to current building codes after a covered claim. You can add other coverage for things like identity theft and damage from backed-up sewers and drains.
Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.
» READ MORE: Nationwide homeowners insurance review
State Farm
Well-established insurer with a lengthy list of coverage options.- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Advertises fewer discounts than some other insurers.
State Farm is a great choice for homeowners who like to work directly with a representative, as the company sells policies through a wide network of agents. And its attention to customer service has paid off; the company has fewer customer complaints to state regulators than expected for a company of its size.
One useful endorsement you may be able to add to a State Farm policy is an inflation guard rider, which automatically increases your policy limits to make sure your coverage doesn’t fall short.
» READ MORE: State Farm homeowners insurance review
Travelers
Offers lots of coverage options, decent discounts and a strong online experience.- User-friendly features on website and app.
- Discounts for eco-friendly homeowners.
- Draws fewer consumer complaints than expected for a company of its size.
- Doesn’t insure mobile or manufactured homes.
Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments, and learn about insurance basics.
Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.
» READ MORE: Travelers homeowners insurance review

USAA
Offers perks and affordable rates for the military community.- Policies include standard coverage that often costs extra elsewhere.
- Far fewer customer complaints to state regulators than expected for a company of its size.
- Rates are below the national average, according to NerdWallet’s analysis.
- Available only to active military members, veterans and their families.
USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.
For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.
» READ MORE: USAA homeowners insurance review
How much does homeowners insurance cost in Minnesota?
The average annual cost of home insurance in Minnesota is $2,920. That’s 38% more than the national average of $2,110.
In most U.S. states, including Minnesota, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Minnesota, those with poor credit pay an average of $4,585 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 57% more than than those with good credit.
Average cost of homeowners insurance in Minnesota by city
What you pay for homeowners insurance in Minnesota depends on where you live. For example, the average cost of home insurance in Minneapolis is $2,995 per year, while homeowners in Rochester pay $2,475 per year, on average.
City | Average annual rate | Average monthly rate |
---|---|---|
Andover | $2,900 | $242 |
Anoka | $2,790 | $233 |
Bemidji | $2,320 | $193 |
Burnsville | $2,610 | $218 |
Cottage Grove | $2,735 | $228 |
Duluth | $2,145 | $179 |
Eden Prairie | $2,655 | $221 |
Elk River | $2,685 | $224 |
Farmington | $2,750 | $229 |
Hopkins | $2,585 | $215 |
Inver Grove Heights | $2,800 | $233 |
Lakeville | $2,715 | $226 |
Mankato | $2,655 | $221 |
Maple Grove | $3,010 | $251 |
Minneapolis | $2,995 | $250 |
Moorhead | $2,425 | $202 |
Osseo | $2,670 | $223 |
Prior Lake | $2,890 | $241 |
Rochester | $2,475 | $206 |
Saint Cloud | $2,605 | $217 |
Saint Paul | $2,980 | $248 |
Savage | $2,670 | $223 |
Shakopee | $2,770 | $231 |
Stillwater | $2,920 | $243 |
Winona | $2,475 | $206 |
The cheapest home insurance in Minnesota
Here are the insurers we found with average annual rates below the Minnesota average of $2,920.
Company | NerdWallet star rating | Average annual rate |
---|---|---|
Western National | Not rated | $1,785 |
Auto Club Group (AAA) | $2,050 | |
$2,120 | ||
North Star | Not rated | $2,385 |
$2,785 |
Common risks for Minnesota homeowners
Here are a few things to keep in mind when evaluating home insurance options in Minnesota.
Winter storms
A standard homeowners policy typically covers damage from winter storms, but it's important to review your policy to make sure you have enough coverage. You’ll also need to make sure you’re taking the appropriate steps to protect your home. For example, damage from frozen pipes may not be covered if you leave your heat off while out of town.
Some types of winter weather damage might require extra coverage. For example, your homeowners policy likely won’t pay for damage due to a backed-up drain or sewer caused by snowmelt. You’ll need to add that coverage to your policy.
Hail
While your insurance policy may cover hail damage, it’s important to review it carefully, as many Minnesota homeowners find this coverage kicks in only when there’s been substantial damage to their home’s siding or roof.
You may also have a separate deductible for wind or hail damage. These deductibles may be a flat rate, such as $1,000, or a percentage of your dwelling coverage. For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for hail or wind claims. So if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of hail damage yourself.
Flooding
Most standard homeowners insurance policies do not cover flood damage. In Minnesota, 40% of flood claims over the preceding 30 years came from outside high-risk areas, according to a fact sheet from the state’s commerce department. As a result, you may want to consider purchasing separate flood insurance coverage through the National Flood Insurance Program.
To assess your flood risk, look up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk, so you may also want to check the website of the nonprofit First Street Foundation, which models climate risks. Enter your address in the top left corner to see your home’s flood risk rating on a scale of 1 to 10.
Remember that while you can buy flood coverage anytime, there’s typically a 30-day waiting period before the insurance takes effect.
Wildfires
Homeowners insurance typically covers damage from fires, but it's important to review your policy to ensure you have enough coverage. Pay particular attention to your dwelling coverage limit. This is the amount the insurance company will pay to rebuild your house. Because a significant fire can destroy your home, make sure you have enough coverage to rebuild if necessary. If you’re still uncertain after reviewing your policy, talk to your insurance provider.
Minnesota insurance department
The Minnesota Commerce Department’s Insurance Division oversees the state’s insurance industry and provides consumer protection and information. For example, it provides resources on what’s frequently covered under homeowners insurance policies and tips for filing a claim with your insurance.
You can also submit a complaint against your insurance company using the agency's online portal. If you have questions about filing a complaint, contact the customer service department via email at consumer.protection@state.mn.us or toll-free at 800-657-3602.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.- Looking for more insurance in Minnesota?
- Find home insurance in other states
Amanda Shapland contributed to this story.
Frequently asked questions
Is homeowners insurance required in Minnesota?
Is homeowners insurance required in Minnesota?
Homeowners insurance isn’t legally required in Minnesota, but your mortgage lender may require you to buy it. For more information, read Is Homeowners Insurance Required?
How can I save money on home insurance in Minnesota?
How can I save money on home insurance in Minnesota?
There are several ways to save money on homeowners insurance in Minnesota:
Shop around to make sure you’re getting the best rate.
Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.
Bundle your home and auto insurance for a lower overall rate. See the best home and auto insurance bundles.
Ask your insurer if you qualify for any home insurance discounts.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Minnesota Commerce Department. Flood Insurance. Accessed Mar 7, 2025.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.