Popular Questions about Minnesota Home Insurance

In Minnesota, the annual average cost of home insurance is $1,348, coming in a bit higher than the national figure of $1,211 per year. Each homeowner will pay a unique price based on individual needs and exposures.

Every homeowners insurance policy will come with standard and specific limits of protection. Dwelling value, other structures, personal property, liability, medical payments, and additional living expenses are all included in your policy. These coverages provide insurance for damage due to a fire, severe storms, natural disasters, theft, and vandalism.

In each state there are common risks that could create a loss to your home. The most reported homeowners insurance claims in Minnesota are:

  • Flooding and water damage
  • Severe storms and lightning damage
  • Tornadoes
  • Wildfires and residential fires
  • Burglary and other property crimes

Carriers determine your Minnesota homeowners insurance rates by how risky your personal and local exposures are. They'll review things like past claims reported, if you have a burglar alarm, crime rates, and natural disasters in the area. With Minnesota having $897,178,000 home insurance claims paid in one year alone, the proper policy is necessary to avoid financial ruin.

Yes, Minnesota has 525 independent insurance agencies in operation. Each agent can help you find a homeowners insurance policy that suits your needs and fits your budget. They'll even do the shopping for you at no cost, making it super-simple.

In Minnesota, you'll have several options when it comes to finding a carrier for your home insurance. State Auto, Travelers, West Bend, and Nationwide are highly rated for their excellent coverage, fast service, and claims handling. The market that's right for your situation can be easily found through a trusted adviser. 

Do You Know What Your Minnesota Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries (per 1k residents)
Andover$1,522$289,5003.95
Apple Valley$1,288$258,0001.96
Bemidji$900$139,9006.27
Blaine$1,281$230,9002.18
Bloomington$1,283$251,3002.25
Brooklyn Center$1,048$172,8005.06
Brooklyn Park$1,478$224,3004.52
Burnsville$1,277$247,5003.02
Coon Rapids$1,098$204,7003.16
Cottage Grove$1,254$249,8001.55
Duluth$1,073$163,3006.15
Eagan$1,405$288,2002.31
Eden Prairie$1,748$368,1001.56
Edina$2,130$476,3002.88
Fridley$1,160$198,2004.82
Inver Grove Heights$1,281$254,5002.92
Lakeville$1,433$311,1001.47
Mankato$876$179,4005.23
Maple Grove$1,532$293,4001.79
Maplewood$1,240$217,3007.69
Marshall$993$154,4003.59
Minneapolis$1,382$251,60010.16
Minnetonka$1,681$347,9002.74
Moorhead$1,040$194,6003.55
Oakdale$1,277$227,7004.31
Owatonna$1,088$166,6003.09
Plymouth$1,818$351,7002.37
Richfield$1,056$225,2004.78
Rochester$1,022$200,1003.03
Roseville$1,321$254,2007.27
Savage$1,536$307,5002.62
Shakopee$1,391$265,5002.93
Shoreview$1,472$275,8000.3
St. Cloud$938$155,5004.89
St. Louis Park$1,458$271,6003.25
St. Paul$1,227$208,0007.82
Winona$889$148,8000.44
Woodbury$1,606$323,0002.21
  1. $115
  2. Minneapolis, MN Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Minneapolis: $115 
  4. Residents of this city face many risks that are common to urban areas, as well as a variety of weather risks. Home insurance rates may be higher than in some other cities, but not everyone pays the same amount. You may pay more or less than average depending on your home’s unique characteristics. 
  5. Metropolitan areas like Minneapolis usually have higher crime rates than rural areas. It’s just part of living in a large urban environment. But you can take common-sense precautions to secure your home. Consider installing a security system, and always keep your doors locked and the exterior well-lit. Even with precautions, break-ins can happen. Be sure you have the right homeowners insurance in place to help you should the worst happen. 


  1. $102
  2. St. Paul, MN Monthly average home insurance cost
  3. Average monthly cost of home insurance in St. Paul: $102
  4. Not all St. Paul homeowners will pay the same for home insurance. Your monthly rate is based on the risks associated with where you live (e.g., crime and weather), the size of your home, your home’s building materials, and other unique characteristics of your home. 
  5. Winters are long and cold in St. Paul. One burst pipe can destroy your home, spreading water, ice, and devastation without warning. Every St. Paul homeowner needs to be vigilant in order to prevent pipes from freezing. If you take a winter vacation, be sure to completely turn off the water and empty all of your pipes before leaving, or you could come home to a very unwelcome surprise. 


  1. $85
  2. Rochester, MN Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Rochester:$85 
  4. However, home insurance rates can vary significantly from one homeowner to the next. Your rate will be based on factors like the size and location of your home, the age of your home, your home’s building materials, and even your credit score.
  5. Severe storms are common in Rochester, and they often bring driving rain and intense hail. Hail can quickly damage your home’s roof and siding, leaving you with costly repairs to make. Be sure that your Rochester homeowners insurance policy covers all of your weather-related risks.


  1. $89
  2. Duluth, MN Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Duluth: $89 
  4. Because your coverage is completely customized to your home and your unique circumstances, your monthly premium for Duluth home insurance may be more or less than this average. Insurance companies consider your home’s age, size, building materials, location, and other related risks to determine your monthly rate. 
  5. Water is one of the most damaging disasters that can affect your home. Whether it's from rain, sewer backup, or flooding, water can completely destroy your home and belongings. A Duluth homeowners insurance policy can help you repair and replace your belongings, as long as the damage is not flood-related. It can also reimburse you for lodging and other expenses if you are temporarily displaced while your home is being repaired. To be protected against flood damage, you can supplement your home insurance with a flood insurance policy through the National Flood Insurance Program (NFIP). 


  1. $107
  2. Bloomington, MN Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Bloomington: $107
  4. Your house is not the same as your neighbor’s, and neither are your homeowners insurance rates. While everyone in your neighborhood faces the same crime and weather risks, your premium is also based on the age and size of your home as well as other unique characteristics of your home. Your monthly Bloomington home insurance rate may be higher or lower than this average depending on these and several other factors. 
  5. It doesn’t take much to freeze pipes in the cold, harsh Bloomington winters. One frozen pipe can cause devastation throughout your home. Be sure to take precautions to prevent your pipes from freezing, and make sure that your Bloomington homeowners insurance covers all of your water and weather-related risks. 


  1. $123
  2. Brooklyn Park, MN Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Brooklyn Park: $123
  4. Home insurance premiums can vary, so what you pay for your policy might be higher or lower than this average. Your premium depends on the age and size of your home, the crime in your neighborhood, and any other special risks at your home, such as a trampoline, swimming pool, or aggressive dog breed.
  5. A burst pipe can turn a cold day into a disaster for your home. Just as dangerous: melting water that gets trapped by ice on your roof can form an ice dam and destroy ceilings, windows, and insulation. If you live in a cold climate like Brooklyn Park, be sure you know all of the ways that ice and freezing can damage your home, and take steps to minimize the risk. And make sure your Brooklyn Park homeowners insurance covers all of your risks related to freezing water. 


  1. $152
  2. Plymouth, MN Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Plymouth: $152
  4. Plymouth home insurance costs more than in some other Minnesota cities, mainly because of the high property values in this area. What you pay depends on the specific risks associated with your home. Your individual rate depends on the size of your home, its building materials, the age of your roof, your credit rating, and other factors that are unique to your situation. 
  5. You can be held accountable for damage or injuries you cause at your home and elsewhere. If a visitor slips and falls in your driveway, you may be asked to pay for the injured person’s medical bills and other related expenses. Your Plymouth homeowners insurance offers liability coverage that helps you in these types of circumstances. It can even help you pay for attorney fees if you are sued. 


  1. $112
  2. St. Cloud, MN Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in St. Cloud: $112
  4. Your actual St. Cloud home insurance premium depends on several variables, like the size of your house, your home’s building materials, the crime in your area, and the presence of a swimming pool or any other unique risks. Comparing quotes helps you get your coverage at the best rate.
  5. Freezing water is not just a nuisance in St. Cloud, it is a serious peril for homeowners. Frozen pipes can burst and cause massive damage inside your home. Melting water that gets trapped on your roof can form an ice dam and destroy ceilings, windows, and insulation. Cold-weather homeowners must be prepared for all of the ways that ice and freezing can damage their homes, and take steps to minimize the risk. Your St. Cloud homeowners insurance policy can help you repair the damage, should the worst happen. 


  1. $117
  2. Eagan, MN Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Eagan: $117
  4. A number of different factors help determine your Eagan home insurance premium, so what you pay may be higher or lower than this average. The crime rate in your area, the size and age of your home, and the materials used to build your home all impact how much you will pay on a monthly basis
  5. Severe storms with driving rain and intense hail are common in Eagan. Hail can damage your home’s roof, siding, and more, leaving you with thousands of dollars in repairs to make. For peace of mind, make sure that your Eagan homeowners insurance policy covers all of your weather-related risks. 


  1. $134
  2. Woodbury, MN Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Woodbury: $134
  4. The size of your house, your credit score, your home’s building materials, and the crime rate in your area impact how much you pay for a Woodbury homeowners insurance policy. It’s important for your homeowners policy to cover the individual risks you face, so you have peace of mind.
  5. Bad things can happen anywhere, even on your property. Your Woodbury homeowners insurance offers financial protection when you damage property or cause an injury. It can help pay for medical bills, repairs, or other related expenses. And it can even help you pay for attorney fees if you are sued. 


  1. $128
  2. Maple Grove, MN Monthly average home insurance cost
  3. Average monthly cost of home insurance in Maple Grove: $128
  4. A number of personal variables help determine how much you pay for Maple Grove homeowners insurance. That's why your premium may be higher or lower than others in your neighborhood. Insurance companies consider the size and age of your home, its building materials, and other unique risks associated with your neighborhood and property to determine your monthly rate.
  5. Hailstorms are a distinct peril for homeowners in Maple Grove. Hail can cause thousands of dollars in damage to your home’s exterior, and unfortunately, you can’t control the weather. What you can control is buying the right Eagan home insurance policy so you can be sure that all of your weather risks are covered.