Your home insurance is an important step in protecting your investment in your home. With a quality home insurance policy, you’ll have the peace-of-mind of knowing that you’ll be able to repair or replace your home if it’s ever damaged.
But shopping for home insurance in Minnesota can be tricky, especially if you’re looking for insurance for the first time. We’ve outlined some of the most important information that can help you find the policy that’s best for your coverage needs and your budget.
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The average cost of home insurance in Minnesota for $250,000 in dwelling coverage is $1,930 per year. That’s about $500 more than the national average of $1,428 per year. Minnesota’s higher-than-average home insurance rates may be a result of the state’s harsh winter and unpredictable weather, which can mean that home insurance providers need to pay for more claims.
While the average cost of home insurance in Minnesota is higher than average, your home insurance prices will also depend on your location within the state. Cities that are at an increased risk of natural disasters usually have higher home insurance costs, while cities in less riskier settings have lower rates.
Minnesota City | Average Cost of Home Insurance Per Year |
Brownsville | $1,742 |
Winona | $1,749 |
Howard Lake | $2,056 |
Montrose | $2,057 |
Delano | $2,086 |
Other factors will also impact your home insurance rates, including your home’s value and its proximity to a fire station. Since rates can vary so much, a personalized quote will give you the most accurate idea of how much you will pay for home insurance. You can get free home insurance quotes in Minnesota from ConsumerCoverage to start shopping for insurance and comparing rates.
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When shopping for home insurance in Minnesota, look for discounts, like multi-policy discounts when you insure your home and vehicle through the same company. Choosing a high deductible plan can also help to keep your premiums low, but make sure that you’ll be able to pay that higher deductible if you ever have to file a claim.
You can also potentially save money by shopping around and comparing home insurance quotes. To get started, request a free homeowners insurance quote from ConsumerCoverage today to find the policy that’s best for your needs.
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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
