Understanding Minnesota home insurance doesn't have to be complicated.
Get Minnesota-specific insights, compare costs, understand coverage options, and request a personalized insurance review — from a resource built for Minnesota homeowners.
An education-first resource for Minnesota homeowners.
We help Minnesota homeowners understand insurance, rising housing costs, property taxes, wind and hail risk, and coverage options — so you can make informed decisions before, during, and after a claim. When you're ready, request a personalized review from a licensed Minnesota insurance professional.
The Minnesota homeowner education library
Plain-English guides to the parts of your policy and your monthly housing cost that actually move the needle.
Why Minnesota premiums went up
Reinsurance, construction costs, labor, and a five-year run of catastrophic hail and wind events explain most of what Minnesota homeowners are seeing.
Read the rate increase guideMinnesota wind & hail coverage
Flat vs. 1% vs. 2% wind/hail deductibles can mean thousands of dollars at claim time. Compare structures and how they apply.
Open the Wind & Hail CenterRoof coverage in Minnesota
Replacement cost, actual cash value, roof schedules, cosmetic exclusions — how Minnesota carriers settle roof claims, plainly explained.
See the roof coverage guideAverage Minnesota premiums
Statewide and county-level cost ranges, common rating factors, and why two similar homes can pay very different premiums.
View the premium centerMinnesota property tax guide
How Minnesota property taxes are assessed, what's driving recent increases, and how escrow ties insurance and tax together.
Read the property tax guideClaims resource center
Step-by-step claim documentation, what to do after a storm, and how to communicate with carriers and contractors.
Open the claims center
Minnesota is one of the most active hail states in the country.
The Twin Cities metro and southern Minnesota sit inside a corridor that produces repeated severe convective storms each summer. Understanding how your policy responds — and what your deductible structure actually means in dollars — is the most important thing a Minnesota homeowner can do.
- Compare flat, 1%, and 2% wind/hail deductibles
- Roof settlement: replacement cost vs. actual cash value
- How carriers handle cosmetic damage and matching
- Storm season checklist for Minnesota homeowners
Two policies. Same hailstorm. Wildly different payouts.
How your policy values your roof at the time of loss is, for most Minnesota homeowners, the single most consequential coverage detail in their policy. We walk through every common settlement method carriers use in Minnesota.
Minnesota county insurance pages
Insurance considerations vary by county — housing stock, storm exposure, and growth patterns all matter. Start with your county.
Home to Apple Valley, Burnsville, Eagan, Lakeville, and Rosemount — Dakota County is one of Minnesota's fastest-growing suburban counties.
Minnesota's most populous county, anchored by Minneapolis and a dense ring of established suburbs from Edina to Maple Grove.
Centered on St. Paul, Ramsey County mixes historic urban housing stock with established inner-ring suburbs.
East-metro county home to Woodbury, Stillwater, and Cottage Grove — a region of newer construction along the St. Croix corridor.
Southwest-metro county anchored by Shakopee, Savage, and Prior Lake, with significant new home construction.
West-metro county with Chanhassen and Chaska — characterized by newer suburban and lake-area housing.
North-metro county spanning Blaine, Coon Rapids, and Andover — a mix of mature and growing suburbs.
Buying a Minnesota home? Insurance is more than a checkbox at closing.
Lenders require coverage to close — but the policy you bind in the rush of closing is the same policy that protects your largest asset. Our homebuyer hub walks you through what to look at, what to ask, and what to avoid.
The questions Minnesota homeowners ask us most
Plain answers. No sales pitch. See the full Minnesota Homeowners FAQ Center.
Why did my Minnesota homeowners insurance go up?+
Most Minnesota homeowners have seen double-digit annual increases driven by reinsurance pricing, rebuilding costs, labor shortages, and a multi-year run of severe hail and convective storm losses. Carriers also tightened roof settlement terms in many policies.
What is a wind and hail deductible in Minnesota?+
It's a separate deductible — often 1% or 2% of your dwelling coverage — that applies only when the loss is caused by wind or hail. On a $400,000 dwelling, a 2% deductible is $8,000, paid out-of-pocket before the carrier pays anything.
What's the difference between replacement cost and actual cash value?+
Replacement cost pays to rebuild or replace without depreciation; actual cash value subtracts depreciation based on age and condition. On a 15-year-old asphalt roof, ACV can reduce a claim payment by 50% or more.
How do Minnesota property taxes affect my escrow?+
If you escrow taxes and insurance, premium increases and tax valuation changes both flow into your monthly mortgage payment. A 15% premium increase plus a tax revaluation can push escrow up materially even when your loan payment hasn't changed.
Ready to see what your Minnesota home insurance should actually look like?
Share a few details and a licensed Minnesota insurance professional will compare options, explain trade-offs, and walk you through what we find. No pressure, no obligation.