The Best Home Insurance in Minnesota for 2025

Chubb and USAA are among the best home insurance companies in Minnesota, according to our analysis.

To help you find the best home insurance in Minnesota, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best homeowners insurance

Below are more details about the best homeowners insurance companies in Minnesota.

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.

Chubb caters to well-to-do homeowners, offering standard coverage other insurers often charge extra for. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster.

Chubb’s standard policies also include replacement cost coverage for your belongings and coverage for water damage from backed-up sewers and drains.

Chubb policyholders may be eligible for 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

Amica shines when it comes to customer service. The company has received far fewer complaints than expected for an insurer of its size, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company stands out for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to work with companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

As America’s largest home insurer, State Farm is notable for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This smart-home device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. The most comprehensive level includes coverage for damage from things like power surges or bleach spills. You can also add extra coverage for the structure of your home, in case your policy limit isn’t enough to cover the cost of rebuilding.

Country Financial sells homeowners insurance through local representatives. The company draws a very low rate of consumer complaints to state regulators.

» READ MORE: Country Financial homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other 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 when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

American Family is notable for offering broader coverage for your home’s structure than many insurers do. If you insure your home up to its replacement cost, American Family will automatically add extended replacement coverage to your policy.

American Family has a long list of extras to choose from. For instance, you can buy coverage in case a major appliance breaks down or an underground utility line needs repairs. Discounts may be available for installing smart-home devices, bundling multiple policies or setting up automatic payments.

» READ MORE: American Family homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

The company offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

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.

» MORE: How your credit score affects homeowners insurance

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.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Minnesota average of $2,920.

» MORE: The cheapest homeowners insurance

Here are a few things to keep in mind when evaluating home insurance options in Minnesota.

Winter storms

Home insurance usually covers damage from winter storms, but some types of damage might need extra coverage. For example, your policy likely won’t pay for flood damage caused by snowmelt. You'll need flood insurance for that.

Make sure you take appropriate steps to protect your home from winter damage. For example, if your pipes freeze because you left your heat off while away, the damage may not be covered.

Hail

Your home insurance policy may cover hail damage, but many Minnesota homeowners find coverage kicks in only when there’s been substantial damage to their home’s siding or roof. Your policy will include more information about this, so make sure to read it closely.

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 homeowners insurance doesn't 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[1]. As a result, you may want to consider buying separate flood insurance. Read more about how to find the best flood insurance.

To check your flood risk, start by looking 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. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

Wildfires

Homeowners insurance typically covers damage from fires, but it's important to make sure you have enough coverage. Pay particular attention to your dwelling coverage limit. This is what the insurance company will pay to rebuild your house. A significant fire can destroy your home, so you need to have enough coverage to rebuild if necessary. If you’re still unsure after reviewing your policy, talk to your insurance provider.

» MORE: Wildfire insurance: What you need to know

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.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.