Best Homeowners Insurance in Minnesota

Minnesota's best home insurance companies are American Family, State Farm, Chubb, Farmers and COUNTRY Financial. American Family ranks first for affordability and customer service, while Chubb excels in coverage options. Compare all our top picks below.

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.

While our rankings highlight the best overall home insurance options, they may vary by home and homeowner categories. Below is a summary of the top choices for key categories.

Home insurance provider rankings in Minnesota cities vary by policy affordability, local customer service and available add-on coverage options. For instance, American Family ranks best in Minneapolis and St. Paul, while Chubb tops the list in Rochester. We've outlined the top options for each city to help you choose the best provider for your location.

Explore Minnesota's top home insurance picks based on affordability, customer service and coverage options, all backed by the MoneyGeek score.

American Family is the most affordable home insurance provider for most Minnesota homeowners. Additionally, it scored well in our coverage and customer satisfaction categories. Its coverage options include service line coverage, matching siding protection and hidden water damage coverage to provide broader protection for hard-to-spot and aesthetic-related home risks.

Chubb is not the most affordable option for homeowners insurance in Minnesota, however, it does rank as the top option for coverage and customer experience. According to recent J.D. Power studies, it tops the list for both customer satisfaction and claims satisfaction. It also offers coverage options like employment practices liability coverage for household staff and valuable articles insurance with agreed value and breakage protection for collectibles.

We've created a step-by-step guide to help you find the coverage that best suits your needs.

American Family, State Farm and Chubb rank highest for Minnesota homeowners insurance based on our analysis. These are solid starting points, but comparing options helps you find the right match for your situation.

Discover answers to common questions to help you choose the right home insurance provider in Minnesota.

 Minnesota homeowners face insurance challenges from severe weather patterns, including tornadoes, damaging hail, harsh winter storms with ice dams, and flooding that create frequent claims across the state. We designed this scoring system to identify which insurers offer the best combination of affordable rates, reliable claims service, and adequate coverage for Minnesota's diverse climate risks.

We evaluated providers across three weighted categories that reflect what matters most when you're buying home insurance in Minnesota: 

Affordability (55%) considers premium competitiveness across various coverage levels and homeowner profiles, plus the range of available discounts. 

Customer Satisfaction (30%) draws from ratings on sites like Trustpilot, app reviews, and industry sources like J.D. Power, covering the buying process, policy management, and claims handling. 

Coverage (15%) assesses the number of add-on options, unique features, and availability throughout the state.

Why these weights: Home insurance premiums in Minnesota represent a significant ongoing expense, making affordability the dominant factor for homeowners managing household budgets. Customer satisfaction carries substantial weight because you need an insurer that processes storm damage claims efficiently and treats you fairly when severe weather strikes. Minnesota's frequent hailstorms, tornado activity, and winter freeze events mean claims handling quality matters more than in states with calmer weather patterns.

Coverage options round out the evaluation because Minnesota homeowners often need endorsements for specific risks like sewer backup coverage during heavy rainfall and spring thaw flooding, equipment breakdown protection for heating systems working overtime during brutal winters, and coverage for ice dam damage that standard policies may exclude or limit.