Minnesota homeowners insurance premiums are higher than the national average. Heavy snowfalls, freezing weather, and exposure to summer storms peg the statewide average at $1,069.00. The ability of an insurer to pay claims is extremely important in the state. Narrow down your selection to a few highly rated insurers and then comparison shop to get the best Minnesota homeowners insurance for you.

Enter Your Zip Code

American Family

American Family is the second largest provider of cheap home insurance in Minnesota. Based in neighboring Wisconsin, American Family maintains an AM Best A (Excellent) rating for financial strength. Its homeowners policy helps cover the many diverse perils specific to Minnesota. Property damage from snow, lightning, wind storms, hail, freezing pipes, fire, and many types of theft are all covered. In addition to this standard coverage, AmFam offers many additional options to fit your unique needs. These include a home day care option if you use it as a daycare part time, and a home office endorsement for those people working from home. Standard discounts, such as multi-policy discounts, are available and easy to identify on their website. Tools such as the Dream Vault home inventory tool help you easily create an inventory of your personal property and store securely.

Fireman's Fund

Fireman's Fund offers three tiers of some of the cheapest homeowners insurance in Minnesota. Standard, Premier, and Prestige® Home give you flexibility when choosing the proper coverage for you. The Prestige® option gives full cost replacement coverage, and Premier can waive your deductible of $10,000 or less when your covered loss exceeds $50,000. Optional coverage includes umbrella, Business at Home, and Equipment Breakdown coverage. The Fund also has a very unique Minnesota home insurance option for environmentally friendly homes. Special Green Home Insurance pays for homeowners with certified green homes (by the U.S. Green Building Council) to rebuild using green materials that meet current certification standards. Traditional homeowners can purchase a green option, which allows them to rebuild with certified green materials after a covered loss. Fireman's Fund maintains an AM Best A rating for financial strength.

State Farm

State Farm's AM Best A+ (Superior) rating puts it among the best of the cheapest Minnesota homeowners insurance companies. Its service reputation is also superior because of the many tools it offers to make customers lives easier. The Pocket Agent mobile app allows robust access to your policy, claims history, and payment activity from anywhere in the world. Home IndexTM online home inventory management system allows you to easily build an inventory of your personal property. You can then store this inventory digitally offsite so it will not be destroyed in the event of a loss to your home. State Farm does well with discounts also. These can be obtained by doing a State Farm Discount Double Check. This feature automatically checks for available discounts and alerts you of ways to save.

Enter Your Zip Code