Best Homeowners Insurance in Minnesota (2024)

Chubb is the best home insurance company in Minnesota for those seeking quality and affordability. Auto-Owners offers tailored benefits for those with new homes. When considering dwelling coverage, American Family is a better fit for high-value home needs.

Our analysis determined premiums based on a $100,000 dwelling coverage limit. Your premium will vary with the amount of dwelling coverage you need. MoneyGeek also analyzed the cheapest home insurance in Minnesota if saving money is your top priority.

Chubb, the top provider of the best home insurance in Minnesota. Homeowners in the North Star State can look at the top overall homeowners insurance providers for comprehensive coverage:

• Chubb: MoneyGeek score of 99 out of 100 ($750 per year)
• Auto-Owners: MoneyGeek score of 94 out of 100 ($930 per year)

Homeowners in Minnesota have access to a range of companies offering diverse cost structures and levels of service. It's essential to weigh both affordability and quality service to find a home insurance policy that fits your unique needs and financial considerations.

Chubb leads in service quality for home insurance in Minnesota. These top two providers have exceptional service for Minnesota homeowners:

• Chubb: MoneyGeek score of 96 out of 100 ($750 per year)
• Auto-Owners: MoneyGeek score of 96 out of 100 ($930 per year)

Valuing service quality in a home insurance provider means prioritizing reliability, customer support and comprehensive coverage options that meet your needs. Homeowners who desire a swift and empathetic response following a storm or burglary will benefit significantly from choosing providers recognized for their high service quality.

Chubb provides the cheapest homeowners insurance in Minnesota for those on a budget. These are the best and most affordable homeowners insurance providers:

• Chubb: MoneyGeek score of 99 out of 100 ($750 per year)
• Auto-Owners: MoneyGeek score of 93 out of 100 ($930 per year)

Note that cheaper premiums don't always equate to the best service. When considering the average cost of home insurance in Minnesota, choosing a provider like Chubb is important, as it provides a good balance between cost and service. It's worth choosing a responsive and cost-effective company, especially when needing urgent assistance after an event like a storm.

American Family is the premier home insurance provider in Minnesota for owners of expensive homes. These are the best insurers in Minnesota for pricey properties requiring at least $1 million in dwelling coverage:

• American Family: MoneyGeek score of 92 out of 100 ($3,904 per year)
• Auto-Owners: MoneyGeek score of 90 out of 100 ($6,006 per year)

For owners of high-value homes, finding insurance that balances cost with comprehensive coverage is vital, and American Family offers just that — a perfect blend of affordability and quality.

Auto-Owners is the premier home insurance provider for new homes in Minnesota. The following providers lead the pack for $500K in dwelling coverage for new homes, offering an exceptional balance of affordability and quality service:

• Auto-Owners: MoneyGeek score of 98 out of 100 ($1,543 per year)
• Chubb: MoneyGeek score of 70 out of 100 ($3,581 per year)

With an outstanding affordability score and a commendable service score, Auto-Owners ensures Minnesota homeowners receive a balance of value and customer care. This combination is central to a secure home insurance experience.

Chubb stands out as the premier home insurance provider in Minnesota for military members and veterans seeking homeowners insurance. It offers a balance of value and quality, with an affordable average annual premium of $750. These are the best and cheapest home insurers for veterans and military families:

• Chubb: MoneyGeek score of 99 out of 100 ($750 per year)
• Auto-Owners: MoneyGeek score of 94 out of 100 ($930 per year)

The optimal homeowners insurance company for veterans addresses their distinct needs, such as the challenges associated with frequent relocations and the unpredictability of deployments. The best companies ensure veterans' homes and possessions remain safeguarded in any life event.

Identifying the best homeowners insurance providers involves seeking those that offer an optimal blend of exceptional customer service, comprehensive coverage and manageable premiums. The most suitable insurance for you depends on your specific needs and circumstances. These steps help you pinpoint the policy that aligns with your unique requirements, ensuring protection and peace of mind for your home.

Selecting the most suitable homeowners insurance provider in Minnesota hinges on your unique requirements. To assist in navigating this decision, explore the following frequently asked questions tailored to pinpoint the best options available.