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Minnesota Home Insurance

Homeowners in Minnesota encounter various weather-related risks throughout the year, with each season introducing unique challenges. Amica provides home insurance to help protect against out-of-pocket costs when the unexpected happens.

Is home insurance required in Minnesota?

Minnesota law doesn’t require homeowners to have insurance on their property, but if you finance your home through a mortgage, your lender will likely require you to have homeowners insurance. Even if you own your home outright without a mortgage, it’s highly advisable to be insured. Home insurance is not a one-size-fits-all product. It should be tailored to your specific situation and needs.

Typical Minnesota homeowners insurance coverages

  • Coverage A – Dwelling:

    Coverage for your home and attached structures for damage caused by events such as fire, lightning, wind or hail.

  • Coverage B – Other structures:

    This covers damage to other structures on the property that are set apart from the dwelling, such as a fence, shed or detached garage.

  • Coverage C – Personal property:

    Coverage for your belongings, such as furniture, clothing and electronics, if they’re damaged by a peril listed in your policy.

  • Coverage D – Loss of use:

    This covers your temporary living expenses when a covered loss makes your home unfit to live in.

  • Coverage E – Personal liability:

    This covers damage or injury to another person on their property that you’re responsible for causing. It also covers legal assistance for claims made against you.

  • Coverage F – Medical payments to others:

    This coverage can pay for medical bills for people who are accidentally hurt on your property, not including members of your household.

Remember, each of these coverages is subject to a policy limit, deductible and exclusions, which are specified within your policy. 

Your homeowners insurance won’t cover flood damages, so it helps to ensure you’re properly covered if there’s a flood. Flood insurance policies are available and are written through the federally backed National Flood Insurance Program. It’s common for mortgage companies to require flood insurance if your home is within or near a floodplain. Regardless, a flood can occur anywhere, and it’s a good idea to buy this additional coverage.

Additional coverages in Minnesota

You may find the general coverages afforded in a basic homeowners policy don’t cover certain losses or types of property. Amica offers home insurance options in the form of policy endorsements that can fill in some of those gaps in coverage. Adding endorsements to your Minnesota homeowners insurance policy can provide valuable additional coverage tailored to your specific needs. Here are a few endorsements you might consider:

  • Special computer coverage:

    Additional protection beyond what’s included in your policy for devices against direct physical loss, like accidental damage or theft. Devices covered under special computer coverage include:

    • Desktops
    • Laptops
    • Smartphones
    • Gaming devices
    • Smart TVs

  • Identity fraud:

    Identity theft is a growing concern, and this endorsement can help cover expenses associated with restoring your identity, such as legal fees, lost wages and other related costs.

  • Water backup and sump overflow:

    Unexpected and accidental water damage, like from an appliance or burst pipe, is covered by most homeowners insurance policies. But, at the same time, they also exclude coverage for backed-up sewers and drains. This endorsement provides coverage for water that backs up through drains and sump pumps.

  • Scheduled personal property:

    If you have high-value items such as jewelry, fine art or collectibles, a basic homeowners policy may not provide sufficient coverage. With this endorsement, you can insure specific items to make sure they’re adequately covered against loss or damage.

  • Earthquakes:

    A standard Minnesota policy excludes damage caused by earth movement, including earthquakes. This endorsement would extend coverage to damage caused by an earthquake.

What affects your Minnesota home insurance rates?

The location of your home is one factor that impacts home insurance premiums. Different areas face different risks and exposures. The cost of home insurance in a city versus a small town will depend on proximity to emergency services like a fire station, the age of your home and construction costs. 

Your Minnesota home insurance policy should be as unique as your residence, tailored to your specific needs and circumstances. By customizing your policy to suit your needs, you can ensure your home is protected. Additionally, regularly reviewing and updating your coverage can ensure that your policy reflects your current needs.

Save more with Minnesota homeowners insurance discounts

There are several ways Minnesota homeowners can save money on home insurance without compromising the quality of their coverage.1 We offer home insurance discounts for:

  • Alarm systems: Receive a discount when you insure a home with burglar alarms, sprinkler systems or fire alarms.
  • Automatic detection devices: Insure a home in Minnesota with a temperature monitoring, water leak detection or gas leak detection system installed and receive a discount. 
  • New or remodeled homes: Receive a credit when you insure a new or fully remodeled home. 
  • Claim-free: Receive a discount when you’ve had no claims in the past three years.

If these don’t apply to you, we also offer discounts for:

  • AutoPay: Receive a discount when you opt to pay your premium using automatic deductions. 
  • E-discount: Get a discount when you sign up to receive policy information and bills electronically. 

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle your insurance coverages for home and auto with the same insurance company. In fact, Minnesota homeowners who bundle home and auto insurance with Amica could save up to 20% with a multiline discount.1

Facts and figures about South Minnesota

Common claims in Minnesota:

Homeowners insurance typically provides coverage for many of Minnesota’s weather-related risks, subject to policy limits. Here are some common weather-related claims that Minnesota homeowners may face:

  • Frozen pipes: When temperatures drop below freezing, water pipes in homes can freeze and burst, causing water damage. As long as heat in the residence was maintained, homeowners insurance usually covers damage resulting from burst pipes, including water cleanup and repairs to the affected areas.
  • Roof damage: Wind from storms year-round can put stress on roofs, leading to damage. Homeowners insurance typically covers roof damage caused by wind or hail, although coverage may be subject to certain exclusions or limitations.

Homeowners in Minnesota may want to consider purchasing supplemental coverage for specific risks, such as flood insurance even in areas that are not floodplains.

Fun facts about Minnesota:

  • The Minneapolis Skyway System, spanning over 10 miles and connecting around 80 city blocks, is the world's largest contiguous network of enclosed, second-level bridges.2
  • The Northwest Angle, a peninsula located in the Lake of the Woods, is part of Minnesota but is accessible by land only through Manitoba, Canada. It holds the distinction of being the northernmost point in the lower 48 states.3
  • Waterskiing was invented by Ralph Samuelson of Lake City, who used a pair of boards as skis and a clothesline as a towrope on Lake Pepin in 1922.3

How to get home insurance in Minnesota

We’re here to guide you through the process of personalizing your homeowners insurance in Minnesota. Here’s how to secure your policy in three easy ways:

  1. Assess your coverage needs:

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Minnesota homeowners based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a home insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, you can rest easy knowing your home is safeguarded against the unexpected, allowing you to focus on what matters most – enjoying life in beautiful Minnesota.

Get a home insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 Your Guide to the Minneapolis Skyway System
3 14 Quirky Facts About Minnesota That Sound Made Up, But Are 100% Accurate

 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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