Duluth, MN Homeowners Insurance

Find the right homeowners insurance policy for you.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.


The port city of Duluth, MN is home to more than 86,000 people. As a tourist destination, this city features several attractions and amenities that residents can enjoy. If you are among the proud homeowners in this lively Midwestern city, you will want to protect your investment by backing it with a solid home insurance policy.

When you are shopping for the best insurance coverage for your Duluth home, an independent insurance agent can help. Contact an agent near you to start comparing quotes.

Cost of Homeowners Insurance in Duluth, Minnesota

Minnesota is the 13th most expensive state for home insurance in the U.S. Fortunately for residents of Duluth, rates in this city run significantly lower than the state average.

  • National average yearly premium: $1,173
  • Minnesota average yearly premium: $1,323
  • Duluth average yearly premium: $1,073

To find out how much it will cost to insure your Duluth home, you can request quotes from different insurance companies. You can expect your actual home insurance quotes to vary a bit from the averages listed above. This is because your rates are based on a number of considerations including: 

  • The size, age, and value of your home
  • The number of stories in your home and the materials used in its construction
  • The crime rate in the ZIP code where your house is located
  • Your credit score
  • The amount of your deductible
  • Whether you are bundling your coverage with other policies like car insurance or life insurance

Each insurance company has its own method for calculating rates, so comparing a few quotes lets you choose the homeowners insurance policy that gives you the best value for your money. Independent agents in Duluth make comparison shopping easy.

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Burglary Rate in Duluth, MN

  • Number of burglaries per 1,000 homes in the US: 4.69
  • Number of burglaries per 1,000 homes in Minnesota: 3.37
  • Number of burglaries per 1,000 homes in Duluth: 6.15

The burglary rate in Minnesota is lower than the national average, but in Duluth, it is much higher. There are more than 500 burglaries reported in this city each year.

There are steps you can take to prevent a burglar from targeting your home, such as:

  • Keeping doors and windows securely locked
  • Ensuring that your entryways are well-lit and unobstructed from view
  • Putting lights on timers, stopping mail delivery, and keeping a radio on while you are away on vacation
  • Using a burglar alarm

Many insurance companies offer discounts to policyholders who have home security systems and other theft deterrents installed in their homes. 

It can be very stressful to be the victim of a burglary. Knowing that your home insurance policy can reimburse you for your losses may provide a measure of comfort. Be sure to get a copy of the police report, since you will need that if your file a claim. Your independent insurance agent can assist you throughout the claims process.

Catastrophic Events in Minnesota

  • Number of declared disasters in Minnesota: 60
  • Average number of tornadoes per year in Minnesota: 41.9
  • Average amount of property damage per year in MN: $897,178,000
  • 1 in 15 insured homes has a claim each year.

Your home insurance policy is designed to provide coverage against many of the hazards you may face as a homeowner in Duluth. These include residential fires, property crimes, and severe weather events. An independent agent can help you review your structural and contents coverage limits so you can be sure that they are high enough to give you full coverage.

Bear in mind, however, that home insurance does not cover flood damage. After the unprecedented flooding that occurred in Duluth in 2012, the importance of flood insurance is evident. Talk to your independent agent for help supplementing your home coverage with flood insurance through the NFIP.

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Liability Insurance for Duluth Homeowners

Your homeowners insurance can cover more than just your property. It can also shield you against a number of liability lawsuits you could potentially face. Most people never need to use the personal liability insurance portion of their home policies, but when they do, this coverage can prove invaluable.

Homeowners liability insurance is designed to cover expenses such as court costs, legal defense fees, and damages if you are sued for a covered event such as injuries incurred by visitors to your home due to neglect or property damage, injuries caused by your children or pets, and charges of libel or slander. 

If you have a lot to lose, you may want to have liability coverage in amounts higher than your homeowners policy can cover. In that case, you can purchase an umbrella insurance policy. An independent agent can explain more about your liability insurance options.

Second Home and Vacation Home Insurance

Some residents of Duluth own more than one home. If you are trying to insure a property that is not your primary residence, insurance companies will look at additional risk factors, and this may increase your insurance costs.

If you own a vacation home, it may be left unoccupied for several months out of the year. If so, you may need to look into vacant home insurance in order to be covered if your house is damaged by a problem like a slow water leak or a pest infestation that has been left unnoticed and untreated for too long.

If you have a second home that you use as an investment vehicle by renting it out to tenants, you face higher liability risks. That is why these types of property need to be covered by a landlord insurance policy.

Your local independent insurance agent can help you find the best and most affordable policy to cover your extra homes.

Why Work with an Independent Insurance Agent?

Independent insurance agents make it easy to find the right policy to cover your Duluth home. They can work with several different insurance companies to make sure you are getting your home insurance coverage at a competitive rate. Find an agent in or near Duluth to start comparing homeowners insurance quotes.

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