Overall, the best home insurance in Minnesota is Country Financial, but the top option for you may be different, depending on your specific needs.
While Country Financial scored the highest based on service quality, homeowners looking to prioritize savings should consider policy offers from Chubb. State Farm is best for expensive homes and those who plan to bundle their plan with auto insurance.
MoneyGeek reviewed available coverage and discounts and evaluated the best home insurance in Minnesota for different types of homeowners.
MoneyGeek also analyzed the cheapest homeowners insurance providers in Minnesota for those more concerned with saving on their monthly bill.
The Best Homeowners Insurance in Minnesota






The Best Overall Homeowners Insurance Companies in Minnesota
When you’re shopping for homeowners insurance, you’ll likely want to consider service quality and affordability. MoneyGeek ranked the top providers based on customer satisfaction ratings, claims reputations, financial stability and affordability.
The following providers are the best overall in Minnesota:
- Country Financial: MoneyGeek score of 90 out of 100
- State Farm: MoneyGeek score of 86 out of 100
MoneyGeek shares why these two companies scored the highest in the overall rankings, and lists their coverages and discounts.
The Top Home Insurance Companies in Minnesota

The average cost to insure a home with Country Financial is $2,557 per year. It received top scores for affordability and stability, with slightly lower customer satisfaction ratings according to J. D. Power. It offers extended replacement, including labor and construction materials. Not only that, your coverage is protected against inflation, so if you need to rebuild and the costs of construction and materials have increased, you have some extra coverage to help you.
Country Financial offers separate enhanced coverage for your high-value items like electronics and jewelry. Extra coverage options include protection from earthquake damage or identity theft. You can also purchase sump pump and sewer backup coverage to protect you from water damage caused by the failure of these systems.
Read MoneyGeek's Country Financial home Insurance Review
The second-best option in Minnesota is State Farm, which received high stability, affordability and customer service scores. Its customer satisfaction score is a little higher than County Financial’s. On average, State Farm costs $2,414. Its Home Systems Protection covers you against the breakdown of mechanical or electrical equipment like your heater or air conditioner.
Among its unique coverage options is coverage for fungus, including mold, up to $20,000. State Farm also offers coverage for damage caused by volcanoes or earthquakes. It provides vandalism and glass breakage coverage if your dwelling has been unoccupied and empty of contents for more than 30 days.
Read MoneyGeek's State Farm home Insurance ReviewMoneyGeek collected home insurance quotes from across the country and balanced them against property claims ratings and customer satisfaction scores from J.D. Power. We used these figures to find the best home insurance nationally and in Minnesota.
That said, actual insurance costs and customer experience may vary depending on your circumstances. Read MoneyGeek’s methodology for more information.
The Best Homeowners Companies in Minnesota for Service Quality
Some homeowners are less concerned about the price of a policy than with customer service and claims experience. If that is the case for you, MoneyGeek evaluated the best insurance providers in Minnesota based almost entirely on customer satisfaction and claims experience.
The best home insurance companies in Minnesota with high ratings for service quality are:
- Country Financial: MoneyGeek score of 90 out of 100
- Auto-Owners Insurance Co: MoneyGeek score of 89 out of 100
MoneyGeek broke down why these two companies scored the highest for homeowners looking for the best service experience regardless of rates.
The Top Home Insurance Companies in Minnesota for Quality Service

Country Financial policies cost $2,557 per year on average. This insurer provides excellent customer service and scores high marks for claims experience. Along with rarer coverages, Country Financial has your back for water damage resulting from sump pump failure or sewer backup.
This company’s Scheduled Personal Property coverage protects your valuable belongings like jewelry and electronics. A more unusual option is its earthquake damage coverage.
Read MoneyGeek's Country Financial home Insurance Review
On average, Auto-Owners Insurance Co’s policies cost $4,939 per year. They provide customers with excellent customer service and claims experience. Its off-premises personal property coverage is helpful for homeowners who frequently travel.
Auto-Owners Co has unique additional coverage options. It protects you by extending coverage for damage to underground piping or wiring that connects your home to a public utility service provider or a private system. It also covers you for equipment and some appliances in your home.
Read MoneyGeek's Auto-Owners and American National home Insurance ReviewThe Best Homeowners Companies in Minnesota on a Budget
Cost is one of the biggest factors for many people choosing home insurance. MoneyGeek rated the top companies for those who want to save money while benefiting from great quality and service.
The following are the best home insurance companies in Minnesota with affordable rates:
- Chubb: MoneyGeek score of 93 out of 100
- Country Financial: MoneyGeek score of 90 out of 100
The average annual Chubb is $1,823 per year. In comparison, Country Financial homeowners insurance policies cost $2,557 per year.
MoneyGeek evaluates why Chubb is the highest-scoring company for homeowners on a budget and highlights some unique coverages and discounts it offers.
The Top Home Insurance Companies in Minnesota on a Budget

pros
Affordable home insurance coverage at $1,823 per year
Discounts including Protective Device and Home Renovation
cons
Relatively low customer satisfaction rating of 3.77
COMPANY HIGHLIGHTS
Chubb ranked highest in Minnesota in terms of affordability, scoring 5 out of 5. Additionally, policyholders receive discount offers that range from standard to rare.
Homeowners can save on rates by having protective devices like fire alarms, burglar alarms and sprinkler systems installed in their homes. There are discounts available for newly-renovated and newly-constructed homes. A unique offer from Chubb gives you discounts if you’re living in a gated community.
The Best Homeowners Companies in Minnesota for Expensive Homes
Additional insurance is typically required to insure more expensive homes. MoneyGeek scored the best home insurance companies that balance cost and service quality for costly homes in Minnesota.
The top-rated companies for expensive homes in Minnesota are:
- State Farm: MoneyGeek score of 85 out of 100
- Country Financial: MoneyGeek score of 82 out of 100
To show you why State Farm ranked the highest for companies offering coverage for pricey homes in Minnesota, MoneyGeek broke down the company’s coverages and discounts, pros and cons.
The Top Home Insurance Companies in Minnesota for High-Value Homes

pros
Ranks in the top half of the state for affordability for expensive homes
MoneyGeek satisfaction score of 4.09 out of 5
cons
No Extended Reimbursement or Contents Replacement Cost
COMPANY HIGHLIGHTS
State Farm got a high customer satisfaction rating at 4.09 out of 5. It offers relatively affordable policies for expensive homes.
The company also offers certain coverages that tend to be good for high-value homeowners. These include the following:
- Cyber Event or Identity Theft: State Farm’s optional Identity Restoration and Fraud Loss coverage provides additional protection by offering case management services and expense reimbursement to policyholders whose identities were used in fraudulent activities. If you have this coverage, you can get reimbursement for expenses related to data recovery and system restoration.
- Scheduled Personal Property: State Farm policyholders can get additional protection for valuables. The standard limits are $2,500 for jewelry and furs, $2,500 for silverware and goldware, $1,500 for business property, $2,500 for firearms and $500 for Fire Department service charge.
The Best Homeowners Companies in Minnesota for Veterans
MoneyGeek reviewed providers to find the best home insurance in Minnesota for Veterans. USAA is consistently the best insurer for military families and veterans. It scored 95 out of 100 across the country.
USAA is a member-exclusive provider, which means it only offers its services to current and former military members and their families.
The Top Home Insurance Companies in Minnesota for Veterans

pros
Coverage is tailored to military families
Affordability score of 4.41 out of 5
cons
Not available if you don’t have a military background
Customer satisfaction rating of 3.99 out of 5
COMPANY HIGHLIGHTS
USAA ranks well for affordability and offers unique coverages and discounts beneficial to military families, especially with bundling.
For instance, its policies include Contents Replacement Cost coverage, which pays for the cost of replacing your belongings at today’s prices, without depreciation. You can add optional coverage, like the Home Sharing Coverage, which protects homeowners and guests.
The Best Homeowners Companies in Minnesota for Bundling
If you own a vehicle, you may also be thinking about getting auto insurance as well as homeowners insurance, and often bundling these options through one provider can lead to discounts.
MoneyGeek ranked the best companies that offer home and auto insurance bundles in Minnesota. We found companies that balance the best home insurance policies with the best auto insurance in Minnesota.
In Minnesota, the best insurance companies with the best bundling offers are:
- State Farm: MoneyGeek score of 86 out of 100
- Allstate: MoneyGeek score of 80 out of 100
Getting insurance from a single provider not only saves you money, but it’s convenient too.
The Top Home Insurance Companies in Minnesota for Bundling

pros
Homeowners MoneyGeek score of 4.29 out of 5
28% Discount
cons
Auto MoneyGeek score of 3.99 out of 100
COMPANY HIGHLIGHTS
State Farm’s home insurance coverages include Energy Efficiency Upgrade and Vacancy. Energy Efficiency Upgrade covers the extra amount it costs to upgrade to energy-efficient appliances. Vacancy coverage protects homeowners against vandalism, glass breakage and other damage while away.
Unique auto insurance coverage from State Farm includes Rideshare Insurance, which extends your coverage on top of your standard insurance policy. It offers the same level of protection even while you’re in the app matching with or transporting a rider.
How to Find the Best Home Insurance in Minnesota
Affordability, customer service and a company’s financial stability are all important factors that you’ll want to balance when shopping for homeowners insurance.
MoneyGeek looked at all these factors to find the best homeowners insurance in Minnesota. If you want to know how a particular company compares with those on our list, you can emulate our research process.
Research Customer Service Reputations in Minnesota
J.D. Power satisfaction scores and NAIC complaint ratios can give you an idea of the company’s customer service and claims rating. You can also visit Minnesota's Department of Commerce website to answer your state-specific questions about home insurance.
Compare Quotes for Yourself
The average rates MoneyGeek used in this analysis are based on a sample homeowner in Minnesota, and your specific needs may be different. Comparing quotes from at least three providers can give you a close estimate of your premiums.
Make Sure the Company Has Coverages You Want in Minnesota
Certain coverage and discount offers are not necessarily available in every state. Before you sign up for a policy, verify with the provider whether a particular coverage that you need is indeed included in your policy.
Double-Check Financial Stability Ratings
A company’s financial stability rating can tell you whether this insurer can pay your claims. Large companies tend to be financially stronger, while regional ones may have lower ratings.
FAQs About the Best Home Insurance in Minnesota
MoneyGeek answers some of the most common questions about home insurance in Minnesota.
Methodology
MoneyGeek scores for homeowners insurance in Minnesota were calculated by using a scaled and weighted average of J.D. Power Property Claims and Customer Satisfaction Scores, real homeowners insurance quotes and financial stability ratings from A.M. Best. Our scoring system weighted J.D. Power scores 60%, affordability 30% and financial stability 10%, adjusting weightings in the sections focused on affordability and service experience specifically.
MoneyGeek analyzed homeowners insurance quotes from the top insurance companies in Minnesota that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Minnesota. Quotes were gathered with an average home profile of 2,500 square feet, built in 2000, with an average dwelling coverage value of $250,000, liability coverage of $100,000 and personal property coverage of $100,000.
About Mark Fitzpatrick
