Compare multiple homeowners insurance quotes and find the best insurer near you.
As with other states, Minnesota home insurance covers certain categories. Most homeowner policies include two parts – property insurance and personal liability coverage. Property coverage covers your primary resident and other structures including a garage, any guest homes, tool sheds, and other buildings. However, it excludes structures that are rented out or used for business purposes. Minnesota insurers offer coverage for certain personal property such as furniture and clothing. Pets, electronics used for business, and vehicles are typically excluded from personal property coverage. However, some insurance companies offer discounts for purchasing a home and auto package policy, so you may save money by getting homeowners insurance from the same company that insures your car. You can also ask about getting extended or special coverage for items that are valuable to you but not covered under a standard insurance policy, such as jewelry.
Minnesota is prone to harsh winters and severe thunderstorms in the summertime. You may find that companies offer discounts for house protection against severe thunderstorms (and consequently wind and hail damage). For example, you may get a reduced premium rate if you live in a mobile home and have tie-downs or ground anchors. Some insures offer lower rates for renovated heating and electrical systems, and for having a renovated or hail-proof roof. Non-smokers may get premium rate discounts, as smoking accounts for a large number of residential fires every year. You should mention existing insurance coverage that you have for a car or a business, as some companies give discounts for a package plan.