How you're covered
Minnesota doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. A policy’s coverages are designed to safeguard your property and assets. A typical policy will include the following:
Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
Other structures coverage protects detached structures, such as a fence or shed.
Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit, so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider.”
Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
Medical payments to others pays for medical expenses due to a covered occurrence.
Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It is important to read your policy to understand the coverage provided.
Learn more about homeowners insurance coverages.
Common claims in Minnesota
Minnesota has some of the most extreme winter weather in America. Subzero temperatures and enormous amounts of snow can create the possibility of damage to roofs and plumbing. Your home insurance policy may cover damage to your home's structure and belongings that's caused by freezing or weight of ice, snow, or sleet, up to your policy's limits.
Learn more about how home insurance may cover storm damage.
For a place known as the Land of 10,000 Lakes, flooding can be a concern due to rising water levels. A flood insurance policy may protect your property and belongings against flood damage.
Helping you save
Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:
Quote in Advance
See more about the home insurance discounts we offer.
Customers nationwide who save by bundling home and auto insurance with Progressive save over 20% on average*
How much is homeowners insurance in Minnesota?
Your cost for Minnesota homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.
Do you own a rental or vacation property in Minnesota?
If you own a rental property in Minnesota, make sure it's protected with the right type of insurance policy. Learn more about landlord insurance policies and insurance for vacation or vacant homes.
Fun facts about houses in Minnesota
Minnesota is the home of some notable authors' houses that've been preserved as National Historic Landmarks. This includes F. Scott Fitzgerald (St. Paul), O.E. Rolvaag (Northfield), and Sinclair Lewis (Sauk Centre).
As of 2018 the homeownership rate in Minnesota is around 71.6%, nearly eight points above the national average.
You can find an unusual triangle-shaped house in St. Paul, which seems to have that shape because of the lot that it resides on and zoning laws in the area.
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