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Most Popular Coverages in Minnesota

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Home insurance provides a backup plan in case a catastrophe strikes in the neighborhood. Whether it's a fire, high winds, or a burglary, it's covered by a suitable homeowners insurance policy in Minnesota. Home insurance will pay for repairs to the home and replacement of belongings, pay for someone else's injuries on the property when it's the homeowner's fault, and may pay for temporary living expenses if the home is so badly damaged that it's uninhabitable. 

Minnesota drivers enjoy lower car insurance rates than many other drivers in the US. The average annual cost of car insurance in the US is $1,318. Minnesota drivers pay $1,241, on average. The best way to get the best car insurance rates in Minnesota is to compare quotes from multiple carriers. 

Worker's compensation laws in Minnesota state that all employers are required to purchase worker's compensation insurance or become self-insured. With worker's compensation insurance, a business is not liable for the costs related to injuries that occur, and injured employees receive compensation for those injuries regardless of who is at fault. The worker's compensation system is regulated by the Minnesota Workers’ Compensation Insurers Association (MWCIA). The MWCIA collects, processes and analyzes Minnesota worker's compensation data and disseminates it to insurance company members. 

Restaurants in Minnesota  need three basic types of insurance: property, liability, and employee coverage. Keep in mind that each type of insurance has sub-types of more specialized insurance depending on the type of restaurant and the services offered. Many restaurants have added policies for delivery and buffet services. Food spoilage is also a popular add-on policy for restaurants.

A commercial vehicle insurance policy may provide coverage for injuries and medical payments. Due to the high cost of medical bills, this type of policy could save money for a business if their  drivers are injured in an auto accident, or are responsible for other people's injuries. It is important for business owners in Minnesota to get the appropriate types and amounts of coverage for their vehicles.


Last year, insurance companies paid out more than $2 billion in commercial insurance claims in Minnesota. Fires, property crimes, and weather events can damage business property at any time. And whatever the type of business, they can be faced with liability claims and be expected to pay for property damage and medical expenses if their business causes harm to others. Businesses in Minnesota need business insurance to protect them from financial losses when something unexpected happens. Business insurance helps repair or replace damaged property, reimburse others for damages, and keep the doors open while repairs or rebuilding are underway. 

Most people probably don't realize that Minnesota sits at the northern end of Tornado Alley, making it susceptible to weather risks. In addition, hotels face a variety of common hotel insurance claims, including: windstorm damage, fire damage, liability claims, data breaches, and business interruption.

If a policyholder is sued for damage to property or a car, their insurance should cover costs up to the policy limits, but only if the type of damage is covered. For damage over and above the policy limits, they'll have to come up with the cash out of pocket. Many people who buy umbrella insurance in Minnesota want to protect their assets or future income against judgments and lawsuits.

A wealthier Minnesotan may have millions of dollars in business and personal assets. Even a middle class Minnesota family may have built up substantial assets like a home, retirement fund, or college savings account. It is important for them to consider how much coverage is needed to secure their assets.

Many renters can find adequate coverage for a few dollars a month. While premium rates are a bit higher in densely populated cities like Minneapolis and St. Paul than in small towns and rural areas, it is still an affordable coverage. The actual premium will depend on many factors, like where the property is located and how much personal property needs to be covered.

Life insurance is all about preparing for the unexpected. It is important for everyone to think about how their dependents would fare if they  were to meet an untimely demise. If they are married, they may want enough coverage so their spouse can afford to keep the family home. If they are a parent, they are likely to want to ensure that their children are well cared for and that they have many of the opportunities they might otherwise need to forgo due to lack of funds.

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