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Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. A home insurance policy defends your home and your items in the event of a number of circumstances, such as wind damage, fire, theft, vandalism, and more.
Unlike car insurance, home insurance is not priced based on state laws. Even so, major discrepancies exist in homeowners insurance costs on a state-by-state basis. Home insurance costs in states differ depending on the number of — and value of — home insurance claims filed across the state, and also on the value of the belongings and property you're covering.
The easiest way to find a cheap homeowners insurance policy in Minnesota is to shop around and compare rates from as many insurance companies as you can. Learn more about homeowners insurance costs in Minnesota by referencing the below data. Remember: your rates may differ, depending on your coverage limits.
Homeowners insurance rates in Minnesota differ depending on which insurance company you use. Liberty provides the most affordable homeowners insurance in Minnesota — $1,046 each year. This compares favorably to the state mean rate of $1,773, providing a $727 discount on the typical rates in the state.
Get a head start on looking for home insurance by reviewing the cheapest Minnesota carriers, listed below.
| Insurer | Average Yearly Rate in Minnesota |
| Liberty | $1,046 |
| Western National | $1,120 |
| North Star | $1,405 |
| Travelers | $1,538 |
| AAA | $1,549 |
Not all Minnesota cities have equal homeowners insurance rates. Prices depend on local variables such as the likelihood of weather-related claims in the area, meaning your ZIP code could have a major impact on how much you pay.
The cheapest home insurance in Minnesota is found in Rochester. In Rochester, the typical home insurance policy costs $1,682 every 12 months — $91 less than the average homeowners policy in other Minnesota cities. Reference the below table to see the cheapest cities in Minnesota for home insurance.
| City | Average 12-Month Home Insurance Rate |
| Rochester | $1,682 |
| Moorhead | $1,714 |
| Duluth | $1,722 |
| Mankato | $1,790 |
| Maple Grove | $1,870 |
The amount of homeowners coverage you select has an impact on your insurance rates. In Minnesota, carrying $200,000 dwelling coverage costs an average of $1,312 per year, while maintaining coverage up to $400,000 costs as much as $2,256 per year.
| Coverage Level | Average Annual Cost |
| $100,000 Dwelling | $846 |
| $200,000 Dwelling | $1,312 |
| $250,000 Dwelling | $1,561 |
| $400,000 Dwelling | $2,256 |
Among the numerous choices faced by homeowners when buying an insurance policy is where to set the deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. The deductible level you choose can change how much you pay in insurance premiums.
When considering your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. This means that those seeking lower insurance costs will want to consider a higher homeowners deductible. Keep in mind that your deductible should only be set as high as you can reasonably pay if you suffer a loss.
Below are some commonplace deductible options offered on most home policies as well as with related average insurance costs.
| Deductible Amount | Average Annual Home Insurance Rate |
| $500 | $1,683 |
| $1,000 | $1,561 |
| $1,500 | $1,459 |
| $2,000 | $1,368 |
| $5,000 | $1,154 |
If you want to save, consider purchasing your home and auto policies from the same insurance company. A home and auto insurance bundle in Minnesota can save you a substantial sum each month on auto insurance. In fact, bundling policies in Minnesota leads to a yearly discount of $156.
| Avg. Yearly Auto Insurance Rate (No Bundle) | Avg. Annual Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,272 | $1,116 | $156 | 14% |
One of the best ways to save on auto insurance is to bundle policies. Compare rates today!
Looking for information on homeowners insurance in a specific city? Check out our breakdown of large Minnesota cities:
Homeowners insurance will not cover an improperly installed metal roof because it wasn't caused by an unpredictable, sudden event. You would need to dispute this with the original installer of the metal roof.
Other than the insurance commissioner of Minnesota, the National Association of Insurance Commissioners (NAIC) is the regulatory body that governs insurance state-by-state on a national level.
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