{"id":323383,"date":"2025-11-11T16:35:05","date_gmt":"2025-11-11T21:35:05","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=112482"},"modified":"2025-11-11T16:35:05","modified_gmt":"2025-11-11T21:35:05","slug":"best-in-minnesota","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-minnesota\/","title":{"rendered":"The Best Homeowners Insurance Companies in Minnesota"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Homeowners Insurance Companies in Minnesota Review\"><\/span>\n    \n\n\n<p>For homeowners looking for the best homeowners insurance in Minnesota, we have chosen five providers that meet some of the most important criteria to consider when shopping for home insurance. Our picks reflect cost, customer service, financial stability and coverage. Based on these factors and current market conditions, Auto-Owners Insurance remains our pick for best overall value in Minnesota. Our assessment of the other home insurance companies in Minnesota can help you decide which company may be the best option for you, as the best fit will vary by homeowner. For context, recent statewide surveys show typical premiums in the mid-$2,000s per year for a standard HO-3 with roughly $300,000 in dwelling coverage, per <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>; your price will vary.<\/p>\n\n\n\n<p>You can also check our list of <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">best homeowners insurance<\/a> for more options. <\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Homeowners Insurance Companies in Minnesota&nbsp;<\/h2>\n\n\n\n<ul><li><a href=\"#auto\">Auto-Owners Insurance<\/a> &#8211;&nbsp; Best Value<\/li><li><a href=\"#aaa\">AAA<\/a> &#8211; Best for Bundling with Auto Insurance<\/li><li><a href=\"#north\">North Star Mutual Insurance<\/a> &#8211; Best for Local Expertise<\/li><li><a href=\"#state\">State Farm<\/a> &#8211; Best Web Experience<\/li><li><a href=\"#country\">Country Financial<\/a> &#8211; Best for Pre-Packaged Policies<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Comparison Chart\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare Minnesota\u2019s Top Insurance Companies<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td>&nbsp;<\/td><td><strong>Average Annual Premium<\/strong><\/td><td><strong>AM Best Financial Strength<\/strong><\/td><td><strong>J.D. Power Overall Customer Satisfaction&nbsp;<\/strong><\/td><\/tr><tr><td>Auto-Owners Insurance<\/td><td>Varies&nbsp;<\/td><td><a href=\"https:\/\/www.ambest.com\">See AM Best<\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">See 2025 J.D. Power Home Insurance Study<\/a><\/td><\/tr><tr><td>AAA<\/td><td>Varies<\/td><td><a href=\"https:\/\/www.ambest.com\">See AM Best<\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">See 2025 J.D. Power Home Insurance Study<\/a><\/td><\/tr><tr><td>North Star Mutual<\/td><td>Varies&nbsp;<\/td><td><a href=\"https:\/\/www.ambest.com\">See AM Best<\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">See 2025 J.D. Power Home Insurance Study<\/a><\/td><\/tr><tr><td>State Farm<\/td><td>Varies&nbsp;<\/td><td><a href=\"https:\/\/www.ambest.com\">See AM Best<\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">See 2025 J.D. Power Home Insurance Study<\/a><\/td><\/tr><tr><td>Country Financial<\/td><td>Varies&nbsp;<\/td><td><a href=\"https:\/\/www.ambest.com\">See AM Best<\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">See 2025 J.D. Power Home Insurance Study<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"Best Value\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"auto\">Auto-Owners Insurance<\/h2>\n\n\n\n<p>Based on our research, Auto-Owners is at the top of the list for overall value to the customer. It pairs competitive pricing and discount opportunities with strong financial stability and consistently solid customer experience results in the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a> (1,000-point scale).<\/p>\n\n\n                                                \n\n\n<section id=\"auto-owners\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Value<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                We chose Auto-Owners Insurance for its value, as it was the company with the most affordable annual costs, based on our sample rates, in addition to having good discounts. Auto-Owners also scores highly with J.D. Power, with 831 out of 1,000 points, which is among the top scores for home insurance providers. Auto-Owners also has the highest possible financial strength rating from AM Best.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337424-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">831*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                We chose Auto-Owners Insurance for its value, as it was the company with the most affordable annual costs, based on our sample rates, in addition to having good discounts. Auto-Owners also scores highly with J.D. Power, with 831 out of 1,000 points, which is among the top scores for home insurance providers. Auto-Owners also has the highest possible financial strength rating from AM Best.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>High financial stability ratings<\/li>\n                            <li>Excellent customer service scores<\/li>\n                            <li>Extensive add-ons and discounts<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited website functionality<\/li>\n                                    <li>Some customers report difficulty in getting payouts for claims<\/li>\n                                    <li>Coverage not available in all states<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Smoke and fire alarm discounts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Life multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paperless billing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">On-time payments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay in full<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Advanced quote<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic water shut off system<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mortgage-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Favorable loss history<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic backup generator<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Auto-Owners Insurance offers unique add-ons such as breakdown coverage and discounts for backup generators.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>*<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">J.D. Power 2025 U.S. Home Insurance Study<\/a>, based on a 1,000-point scale.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Further Reading on Auto-Owners Insurance:<\/strong><\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/auto-owners-review\/\">Auto-Owners Home Insurance Review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\">Auto-Owners Auto Insurance Review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"Best for Bundling with Auto Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"aaa\">AAA<\/h2>\n\n\n\n<p>The American Automobile Association (AAA) is a well-recognized insurance provider. The federation of local motor clubs may be best known for auto insurance and roadside assistance, but it also supports homeowners through partner carriers and club-affiliated companies. Offerings and eligibility vary by club, so coverage and pricing can differ by region.<\/p>\n\n\n                                                \n\n\n<section id=\"aaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">AAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best For Bundling With Auto Insurance<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                A membership to AAA is required to get home insurance, but you\u2019ll have access to competitive premiums that make the insurer one of the most affordable in Minnesota, based on our rate data. Besides the basic homeowners insurance coverage, AAA provides a number of add-ons to further customize your home policy.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=316335-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">834**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                A membership to AAA is required to get home insurance, but you\u2019ll have access to competitive premiums that make the insurer one of the most affordable in Minnesota, based on our rate data. Besides the basic homeowners insurance coverage, AAA provides a number of add-ons to further customize your home policy.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>High customer satisfaction claims ratings<\/li>\n                            <li>Low homeowners insurance prices<\/li>\n                            <li>AAA discounts for travel and other policies<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Eligibility for home policies requires AAA membership<\/li>\n                                    <li>Home insurance is managed individually at the local level, which means options and coverages can vary<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Retired member discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Claims-free<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Renovated home<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Hail-resistant roof<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Many of the local AAA clubs provide home systems protection to cover heating, air conditioning or water heater breakdowns.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>*<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">J.D. Power 2025 U.S. Home Insurance Study<\/a>, based on a 1,000-point scale.<\/p>\n\n\n\n<p>** Because AAA is a network of many local \u201cclubs,\u201d data and coverage options vary by region&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Further Reading on AAA:<\/strong><\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/aaa-review\/\">AAA auto insurance review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/aaa-review\/\">AAA Homeowners insurance review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"Best for Local Expertise \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"north\">North Star Mutual<\/h2>\n\n\n\n<p>North Star Mutual is one of the top insurance companies local to Minnesota. Founded in 1920, North Star Mutual is uniquely positioned to address Minnesota homeowners\u2019 risks, especially hail and severe winter weather, with local agents and endorsements tailored to regional perils.<\/p>\n\n\n                                                \n\n\n<section id=\"north-star-mutual\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">North Star Mutual<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Local Expertise<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                North Star Mutual is one of the most affordable companies we reviewed, based on available rate data. Being located in the state, this company is not unfamiliar with the risks homeowners face, given its experience with Minnesota\u2019s harsh seasonal weather conditions.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?refer=Homeowners_MN_StateFarm&#038;rvitemid=315786-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                North Star Mutual is one of the most affordable companies we reviewed, based on available rate data. Being located in the state, this company is not unfamiliar with the risks homeowners face, given its experience with Minnesota\u2019s harsh seasonal weather conditions.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Local provider<\/li>\n                            <li>Extensive endorsement options<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited online policy management features<\/li>\n                                    <li>Limited customer reviews<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mature owner<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New\/upgraded home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protected subdivision<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Valued customer<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">North Star Mutual stands out for its local experience in dealing with homes in Minnesota. The company may be ideally suited to helping Minnesotans understand what they need from their policy. North Star Mutual also offers a range of unique coverage options including insurance for snowmobiles and camper trailers.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>&nbsp;*<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">J.D. Power 2025 U.S. Home Insurance Study<\/a>, based on a 1,000-point scale.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"Best Web Experience\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"state\">State Farm<\/h2>\n\n\n\n<p>State Farm offers above-average customer support, along with competitive pricing and solid coverage options. For those new to home ownership, its Simple Insights blog may provide useful information about homeownership in general. State Farm also delivers a robust digital experience for quoting, policy management, and claims through its app and website (<a href=\"https:\/\/www.statefarm.com\/customer-care\/download-mobile-app\">learn more<\/a>).<\/p>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Web Experience<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Providing a highly-rated customer experience is only one of State Farm\u2019s strengths. It also offers good policy coverages, with add-ons to allow you to customize your policy. Based on <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-insurance-company-rankings\" target=\"_blank\">market share<\/a>, State Farm writes more policies than any other insurance company, making it a dominant presence in the industry.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?refer=Homeowners_MN_Auto_Owners&#038;rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">835*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Providing a highly-rated customer experience is only one of State Farm\u2019s strengths. It also offers good policy coverages, with add-ons to allow you to customize your policy. Based on <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-insurance-company-rankings\" target=\"_blank\">market share<\/a>, State Farm writes more policies than any other insurance company, making it a dominant presence in the industry.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Strong financial ratings<\/li>\n                            <li>Excellent web presence<\/li>\n                            <li>19,000+ agents nationally<\/li>\n                            <li>Informative blog<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited discounts<\/li>\n                                    <li>Potentially higher premiums<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discount available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multiple policy discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Fire, smoke, or burglar alarms discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Impact-resistant roof discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">State Farm\u2019s comprehensive website makes it easy to get a detailed quote in minutes. You can also pay your bill, file and manage a claim, and handle most maintenance tasks either online or via the company\u2019s app.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>*<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">J.D. Power 2025 U.S. Home Insurance Study<\/a>, based on a 1,000-point scale&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Further Reading on State Farm:<\/strong><\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm Homeowners Insurance Review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-state-farm\/\">Geico vs. State Farm<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm Auto Insurance Review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"best5\" title=\"Best for Pre-Packaged Policies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"country\">Country Financial<\/h2>\n\n\n\n<p>Country Financial offers home insurance, as well as a variety of other policies and financial services. If you\u2019d like to have all your insurance coverage in one place, bundling with a single insurer can simplify billing and service. Country Financial is a regional insurance company based in Illinois with availability limited to select states, including Minnesota.<\/p>\n\n\n                                                \n\n\n<section id=\"country-financial\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Country Financial<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Packaged Policies<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Country Financial makes shopping for Minnesota homeowners insurance streamlined. If you easily get overwhelmed by options, Country Financial simplifies coverage by allowing you to choose from one of three policies \u2014 a standard Basic policy, Premier insurance with a few additions for the contents of your home, or a Combined policy with additional coverages for both your belongings and home.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?refer=Homeowners_MN_Allstate\r\n&#038;rvitemid=344332-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">830*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Country Financial makes shopping for Minnesota homeowners insurance streamlined. If you easily get overwhelmed by options, Country Financial simplifies coverage by allowing you to choose from one of three policies \u2014 a standard Basic policy, Premier insurance with a few additions for the contents of your home, or a Combined policy with additional coverages for both your belongings and home.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Pre-bundled homeowners insurance coverage<\/li>\n                            <li>24\/7 claims service<\/li>\n                            <li>A variety of discounts available<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>No mobile app for homeowners insurance<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safe heat discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Age of wiring discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New roof discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hail-resistant roof<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customer loyalty<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good payer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective devices<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Smart home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Backup system<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claim-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New customer<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Country Financial may be advantageous as a smaller, more personalized insurer.<\/span> <span style=\"font-weight: 400;\">The company\u2019s homeowners insurance coverage is limited to just a few states,<\/span><span style=\"font-weight: 400;\"> but those who qualify have access to a solid product and a variety of additional insurance coverages and investments.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>*<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">J.D. Power 2025 U.S. Home Insurance Study<\/a>, based on a 1,000-point scale&nbsp;<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost\" title=\"Average Cost of Homeowners Insurance in Minnesota \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Minnesota&nbsp;<\/h2>\n\n\n\n<p>Recent market surveys place Minnesota\u2019s typical homeowners (HO-3) premium in the mid-$2,000s per year for a policy with about $300,000 in dwelling coverage, with methodology and coverage assumptions driving variation (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>). Rates have risen notably in recent years; approved homeowners rate changes in 2024 averaged in the mid- to high-teens in many cases, with elevated losses from severe convective storms contributing to continued pressure (<a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/us-homeowners-insurers-pursue-more-rate-increases-into-2024\">S&amp;P Global Market Intelligence<\/a>; <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA Billion-Dollar Disasters<\/a>).<\/p>\n\n\n\n<p>Factors such as the size and age of your home, your own credit worthiness (where applicable), and your location may all play a role in determining <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/homeowners-insurance-cost\/\">what you will pay for a homeowner\u2019s insurance policy<\/a>. In hail-prone areas, wind\/hail deductibles and roof coverage terms (replacement cost vs. actual cash value) can materially change premiums and claim outcomes \u2014 review these carefully when comparing quotes (<a href=\"https:\/\/mn.gov\">Minnesota Department of Commerce<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"add-ons\" title=\"Home Insurance Add-Ons That Will Further Protect You \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Home Insurance Add-Ons That Will Further Protect You&nbsp;<\/h2>\n\n\n\n<p>Due to harsh Minnesota weather \u2014 especially hail, severe thunderstorms and winter freeze \u2014 these additional coverages or amendments are often popular with Minnesota homeowners. Also watch for wind\/hail deductibles and roof settlement provisions, which can affect how your policy responds to storm damage.<\/p>\n\n\n\n<ul><li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-flood-insurance\/\">Flood insurance<\/a> (compare <a href=\"https:\/\/www.iii.org\/article\/flood-insurance\">NFIP vs. private flood<\/a>)<\/li><li>Water backup\/sump overflow endorsement<\/li><li>Identity theft\/personal cyber protection<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheap\" title=\"The Cheapest Homeowner Insurance Companies in Minnesota \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Cheapest Homeowner Insurance Companies in Minnesota&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Companies<\/strong><\/td><td><strong>Average Annual Premium<\/strong><\/td><\/tr><tr><td>Auto-Owners Insurance<\/td><td>Varies<\/td><\/tr><tr><td>AAA&nbsp;<\/td><td>Varies<\/td><\/tr><tr><td>North Star Mutual Insurance Company<\/td><td>Varies&nbsp;<\/td><\/tr><tr><td>State Farm<\/td><td>Varies<\/td><\/tr><tr><td>Country Financial<\/td><td>Varies<\/td><\/tr><tr><td>Chubb<\/td><td>Varies&nbsp;<\/td><\/tr><tr><td>American Family Insurance<\/td><td>Varies&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n            <span class=\"b-toc-anchor\" id=\"age\" title=\"Cost of Homeowners Insurance by Age of Home \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Cost of Homeowners Insurance by Age of Home&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Age of Home (years)<\/strong><\/td><td><strong>Average Annual Premium<\/strong><\/td><\/tr><tr><td>5 years<\/td><td>Varies<\/td><\/tr><tr><td>20 years&nbsp;<\/td><td>Varies<\/td><\/tr><tr><td>35 years<\/td><td>Varies<\/td><\/tr><tr><td>50 years<\/td><td>Varies<\/td><\/tr><tr><td>Average Across Tiers<\/td><td>Varies<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n            <span class=\"b-toc-anchor\" id=\"top1\" title=\"Top 3 Cheapest Homeowners Insurance Companies in Minnesota \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in Minnesota&nbsp;<\/h2>\n\n\n\n<ul><li>Auto-Owners Insurance \u2013 often among the lower quotes for some profiles<\/li><li>AAA \u2013 can be competitive depending on club and eligibility<\/li><li>North Star Mutual \u2013 frequently competitive in many Minnesota ZIP codes<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"top2\" title=\"Top 3 Most Expensive Homeowners Insurance Companies in Minnesota\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in Minnesota<\/h2>\n\n\n\n<ul><li>State Farm \u2013 can price higher for some households based on risk profile<\/li><li>Chubb \u2013 often higher due to high-value home focus and coverage breadth<\/li><li>Country Financial \u2013 may be higher for certain profiles and coverages<\/li><\/ul>\n\n\n\n<p>Rate relationships change frequently in Minnesota. Statewide averages now commonly land in the mid-$2,000s per year for a $300,000 dwelling-coverage benchmark, and many households have seen multi-year increases since 2021 due to severe weather losses, reinsurance costs and rebuild inflation (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/us-homeowners-insurers-pursue-more-rate-increases-into-2024\">S&amp;P Global Market Intelligence<\/a>; <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>).<\/p>\n\n\n\n<p>We recommend that you ask for a quote from all Minnesota home insurance companies you are considering to get an accurate estimate of your specific premium. Every homeowner has unique circumstances, and each company has its own methodology for determining costs. When comparing, scrutinize wind\/hail deductibles and roof settlement terms (RCV vs. ACV) and confirm limits and endorsements that matter to you (<a href=\"https:\/\/mn.gov\">Minnesota Department of Commerce<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"help\" title=\"Helpful Resources for Minnesota Homeowners \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Helpful Resources for Minnesota Homeowners&nbsp;<\/h2>\n\n\n\n<p>For new or existing Minnesota homeowners researching insurance further, the following resources may be of further help:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/mn.gov\/commerce\/consumers\/your-home\/insurance\/homeowners\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Minnesota Insurance Department website<\/a> \u2013 Provides general knowledge about homeowners insurance in Minnesota.<\/li><li>Minnesota Commerce Department \u2013 The website allows you to<a href=\"https:\/\/mn.gov\/commerce\/consumers\/file-a-complaint\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> file a complaint against your homeowners insurance provider<\/a>, but you can also learn more about disaster preparedness and clean energy. See post-storm claim guidance: <a href=\"https:\/\/mn.gov\/commerce\/consumers\/your-insurance\/home\/after-a-storm.jsp\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">After a storm: Insurance claims<\/a>.<\/li><li>National Association of Insurance Commissioners \u2013 The organization published a<a href=\"https:\/\/naic.org\/documents\/prod_serv_consumer_guide_home.pdf\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> Consumer\u2019s Guide to Home Insurance<\/a> that includes advice on how to file a claim and what to do if you can\u2019t find insurance. See also: <a href=\"https:\/\/content.naic.org\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Wind and hail deductibles<\/a>. <\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Homeowners Insurance FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Homeowners Insurance FAQ &nbsp;<\/h2>\n\n\n<div id=\"block_6181969fd2b38\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in Minnesota?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Homeowners insurance is not required in Minnesota by law. However, if you apply for a mortgage, you will likely be <\/span><span style=\"font-weight: 400;\">required<\/span><span style=\"font-weight: 400;\"> to have homeowners insurance in place. <\/span><span style=\"font-weight: 400;\">Mortgage companies and banks will generally necessitate a homeowner\u2019s insurance policy be in place for the duration of the mortgage.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_618196b5d2b39\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest homeowners insurance in Minnesota?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Using our sample quotes and rate data from Coverage.com, we determined that the cheapest homeowners insurance companies in Minnesota are Auto-Owners, AAA and North Star Mutual. But keep in mind that these providers may not be the cheapest for you. Home insurance premiums are based on a number of criteria, including your ZIP code, claim history, credit score and other factors in most states. To find the cheapest company for you, make sure to get quotes from several providers for comparison purposes.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_618196c5d2b3a\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How can I save money on my homeowner\u2019s insurance premium?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Homeowners insurance can be expensive, depending on a variety of factors. Fortunately, there are a number of ways to <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/lower-home-insurance-premium\/\"><span style=\"font-weight: 400;\">lower your home insurance premium<\/span><\/a><span style=\"font-weight: 400;\">. Many of the best Minnesota homeowners insurance companies offer discounts to homeowners who install a security system, bundle two or more policies, pay in full and insure a newly built or newly purchased home. You can also raise your deductible to get a cheaper monthly rate, but keep in mind your deductible is the amount you will have to pay out of pocket in the event of a covered claim.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"meth\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best companies. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following, using current sources such as the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">2025 J.D. Power U.S. Home Insurance Study<\/a> and verification of financial strength through <a href=\"https:\/\/www.ambest.com\">AM Best<\/a>. We also consider multiple cost surveys (e.g., <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>) to frame typical price ranges.<\/p>\n\n\n\n<ul><li>Customer Ratings \u2014 Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using the latest J.D. Power overall home insurance satisfaction ratings (1,000-point scale).<\/li><li>Coverage \u2014 As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options available and add-ons available.&nbsp;<\/li><li>Confidence \u2014 It is extremely important for insurance companies to fulfill customers\u2019 claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best and encourage readers to verify the current rating before buying.<\/li><li>Customer Experience \u2014 The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index (see the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a>).<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>For homeowners looking for the best homeowners insurance in Minnesota, we have chosen five providers that meet some of the most important criteria to consider when shopping for home insurance. Our picks reflect cost, customer service, financial stability and coverage. Based on these factors and current market conditions, Auto-Owners Insurance remains our pick for best [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":354811,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Minnesota Homeowners Insurance Companies of 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"In this review, we provide five top picks that meet the following criteria: reasonably priced, customer-focused, and financially stable, and comprehensive coverage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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