Minnesota Home Insurance
Minnesota's average cost, dominant risk, and a free replacement-cost estimate — no signup, no quote spam.
Avg. annual premium
$2,000/yr
Dominant risk
Hail & winter storm
Hazard tier
high
Estimate your Minnesota home insurance
Estimated annual home insurance
$2,867
Dwelling = sqft × rebuild cost. Doesn't include flood (NFIP) or earthquake (separate policies).
Minnesota home insurance: what to know
Minnesota sees frequent and costly hail, plus heavy winter losses, lifting premiums above the national average.
Because Minnesota is a high-hazard state for hail & winter storm, expect a separate wind/hail or catastrophe deductible and confirm whether you also need flood or earthquake coverage, which standard policies never include.
Minnesota home insurance FAQ
How much does home insurance cost in Minnesota?
Homeowners insurance in Minnesota averages roughly $2,000 per year, but your rate depends heavily on your home's rebuild cost, construction, claims history, and ZIP code. Use the estimator above and always compare at least three carriers.
What is the biggest home insurance risk in Minnesota?
The dominant natural risk in Minnesota is hail & winter storm. Minnesota sees frequent and costly hail, plus heavy winter losses, lifting premiums above the national average.
Does Minnesota home insurance cover floods and earthquakes?
No. Standard homeowners policies in Minnesota — like everywhere in the U.S. — exclude flood and earthquake damage. Flood coverage comes from a separate NFIP or private flood policy, and earthquake coverage requires a separate policy or endorsement. Given Minnesota's high-hazard profile, check whether you need either before a loss occurs.
How can I lower my home insurance in Minnesota?
Compare at least three carriers, bundle home and auto, and raise your deductible if you can cover it. In a high-hazard state, ask about wind/hail mitigation credits — a fortified roof, storm shutters, or impact glass can cut a hail & winter storm-driven premium meaningfully. Always insure to full replacement cost — under-insuring to save a few dollars backfires at claim time.