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Best homeowners insurance in Minnesota for 2025

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Compare the best home insurance companies in Minnesota

By analyzing data from Quadrant Information Services, Bankrate's insurance team determined the 2024 average annual premium for Minnesota home insurance is $2,852, or $238 a month, for $300,000 in dwelling coverage. This is 18 percent more than the 2025 national average, which is $2,408, or $201 a month.

We also looked at each company's customer satisfaction scores in the AM Best ratings. Using this information and other metrics, we assigned each company a Bankrate Score out of a possible 5.0 points to help readers get an idea of the strengths of each company.

Based on our research, the five best home insurance carriers in Minnesota are Auto-Owners, Allstate, American Family, Country Financial and North Star Mutual.


Auto-Owners	4.3 Rating: 4.3 stars out of 5	$165	$1,975	Get a quote
Country Financial	4.3 Rating: 4.3 stars out of 5	N/A	N/A	Get a quote
Allstate	4.2 Rating: 4.2 stars out of 5	$332	$3,981	Get a quote
American Family	4.0 Rating: 4 stars out of 5	$236	$2,837	Get a quote
North Star Mutual		$159	$1,913	Get a quote

*Premiums are for $300K in dwelling coverage

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At Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our

years of industry experience

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

The top 5 home insurance companies in Minnesota

Best for low average rates

4.3

Auto-Owners Review Get a personalized quote

Avg. premium for $300K dwelling

$165/mo

Avg. premium for $300K dwelling

$1,975/yr

Customer satisfaction

621/1,000

Why Auto-Owners made our list: Of the Minnesota homeowners insurance companies in our analysis, Auto-Owners has some of the flood insurance policy.

Who Auto-Owners may be good for: If you are working with a tight budget but still want solid coverage, you may want to get a quote from Auto-Owners. It has some of the lowest average rates of any company on our list and may be able to write a low-cost Minnesota home insurance policy for you.
Pros
Low average rates compared to the state average

Flood coverage available for qualified policyholders
Cons
Digital tools are available but not highly-rated

Only available in 26 states, so may not be the best option for homeowners who frequently move
Auto-Owners features a robust handful of nearly a dozen endorsements that can help you customize your policy, including the following:
- Guaranteed home replacement cost: If your coverage limits are too low to pay for all damages after a covered loss, this add-on will help pay for the difference.
- Special personal property: This option provides more comprehensive coverage for personal items, allowing you to file a claim for loss, misplacement, staining, defacing and more.
- Ordinance or law: If local laws regulate your rebuilding or repair work after a covered loss, this coverage option will help pay to get you up to code.
- Equipment breakdown: Covers electrical and mechanical failures of equipment such as heating units, air conditioners or other major appliances.
- Homeowners Plus: This coverage package bundles several additional options, such as damage caused by appliance leaks and increased coverage for food spoilage from power failures.

Compare rates by city


Duluth	$1,789
Minneapolis	$2,085
Saint Paul	$2,078
Rochester	$1,703
Lakeville	$2,020

Best for customizable coverage

4.3

Country Financial Review Get a personalized quote

Avg. premium for $300K dwelling

Not available

Avg. premium for $300K dwelling

Not available

Customer satisfaction

640/1,000

Why Country Financial made our list: Country Financial offers three options for home insurance coverage: basic, premier and a combination policy. With the combination policy, Country Financial offers broader coverage for direct physical loss to the home’s structure, while the premier policy adds additional broad coverage for damage to your belongings. Besides the basic policy coverage, Country Financial offers several coverage options, like scheduled personal property, earthquake, sump pump and sewer backup and ID theft. While it may not always be the cheapest, Country Financial offers a few discounts you may qualify for to lower your homeowners insurance cost in Minnesota. It may be worth noting that Country Financial is only available in 19 states. Homeowners who plan on moving out of Minnesota may want to ensure that Country Financial serves their new location.

Who Country Financial may be good for: This carrier may be a good choice for you if you want coverage that's a step above the average. The company's premier coverage might be a good option if you have extensive electronics or other belongings that may be damaged in ways that are not covered by basic insurance.
Pros
Coverage packages may streamline the quoting process

Mobile app available
Cons
Higher average premium

May not be available in another state for Minnesota residents who plan to move
Country Financial has several optional add-ons and additional policies that you can purchase to augment the coverage in your basic policy. Here are a few of them:
- Umbrella insurance: An umbrella policy gives you more robust liability coverage to protect you in the event of an approved claim that costs more than your policy limits.
- Sump pump and sewer backup: This endorsement will pay if you have damage caused by the backup of water in your sump pump or municipal sewer system.
- Service line: If you have damage to your exterior underground piping or wiring that is connected to your home, this endorsement will help pay for repairs.
- Earthquake coverage: Earthquakes in Minnesota are rarely more than a small vibration, if they occur at all, but it’s important to know that this added protection against earthquakes is available — especially if you choose to leave the state.

Best for bundling

4.2

Allstate Review Get a personalized quote

Avg. premium for $300K dwelling

$332/mo

Avg. premium for $300K dwelling

$3,981/yr

Customer satisfaction

633/1,000

Why Allstate made our list: Insuring your home and auto with Allstate could net you a discount of up to 25 percent. In addition to the multi-policy discount, you could save even more for being claims-free and by paying your premium on time. Allstate offers homeowners insurance with several coverage options available to personalize a policy, like coverage for sports equipment and identity theft. Allstate also offers a green improvement endorsement, which will pay the additional cost to replace damaged or destroyed property with greener alternatives. Although Allstate offers multiple discount options, its average rates are much higher than the Minnesota average.

Who Allstate may be good for: If you're looking to save money on your policy by bundling your auto and homeowners policies together, it might be worth getting a quote from Allstate.
Pros
Uncommon endorsements available

Long list of potential discounts may help you save
Cons
Higher-than-average rates

Scored below average in the J.D. Power 2024 U.S. Home Insurance Study for customer satisfaction
Its extensive list of optional coverage types is only one reason why Allstate was named a winner in the 2025 Bankrate Awards as Best Home Insurance Company for First-Time Homebuyers. Here are a few of them:
- Identity theft restoration: Covers the cost of legal fees, lost wages and other costs if your identity is stolen.
- Green improvement reimbursement: Covers the additional cost of replacing damaged or destroyed covered items with more energy-efficient options.
- Yard and garden: Increases the limits for items such as trees, hardscaping and riding lawnmowers.
- Electronic data recovery: Helps pay for the cost of recovering lost personal computer data, including photos or videos.
- Musical instruments: Increases the coverage limits for items including guitars, violins and pianos.

Compare rates by city


Duluth	$4,037
Minneapolis	$3,971
Saint Paul	$3,895
Rochester	$4,008
Lakeville	$3,712

Best for customer service

4.0

American Family Review Get a personalized quote

Avg. premium for $300K dwelling

$236/mo

Avg. premium for $300K dwelling

$2,837/yr

Customer satisfaction

643/1,000

Why American Family made our list: American Family is another carrier option with an average rate below Minnesota’s statewide average for home insurance. It has appliances and sump pump and water backup coverage. Although AmFam has fewer discount options than other Minnesota insurers, the cheap rates could make up for the lack of potential discounts.

Who American Family may be good for: If your top priority in an insurer is being able to build a relationship with professional, efficient agents, American Family may be a good choice for you. The company has one of the highest Bankrate Scores on our list, meaning it performs well across multiple key categories for consumers including coverage options, third-party ratings and customer accessibility. Plus, the company was awarded the 2025 Bankrate Award for Best Digital Home Insurance Company.
Pros
High Bankrate Score

Fewer NAIC complaints compared to some competitors
Cons
Few potential discounts

Not available nationwide
In addition to standard coverage choices, policyholders can opt for add-ons that allow their coverage to fit their circumstances. Some of the company's endorsements include the following:
- Hidden water damage: Will pay for repairs and mold removal caused by a hidden leak within a wall, floor or behind a home appliance.
- Scheduled personal property: Provides added coverage for higher-value items, such as jewelry, furs or artwork.
- Limited home business: This optional coverage is designed for those who operate a small business out of their home.
- Identity theft protection: Covers legal fees, lost wages and other costs associated with identity theft.

Compare rates by city


Duluth	$2,039
Minneapolis	$2,795
Saint Paul	$2,896
Rochester	$3,016
Lakeville	$2,720

Best for coverage packages

North Star Mutual Review Get a personalized quote

Avg. premium for $300K dwelling

$159/mo

Avg. premium for $300K dwelling

$1,913/yr

Customer satisfaction

Not rated

Why North Star Mutual made our list: North Star Mutual, the only Minnesota-headquartered company on our list, offers MN homeowners many ways to build out their home insurance policy to meet their local needs. For instance, homeowners can add multiple types of liability coverage, related private structures, refrigerated food products and endorsements for high-value items, such as recreational vehicles, jewelry, guns and portable tools. As a smaller, regional insurer that operates in seven Midwest states for home insurance, North Star Mutual is not rated by J.D. Power and does not have a Bankrate Score. However, its robust policy options may be the right choice for certain Minnesota homeowners, although it should be noted that policies are only available through its statewide network of independent agents.

Who North Star Mutual may be good for: If you do not want a standard cookie-cutter policy, you may want to consider North Star. The company's average rates are among the lowest of any insurer we reviewed and their extensive breadth of coverage options allow you to pick endorsements that work for you.
Pros
Ample endorsement options

A+ (Superior) financial strength rating from AM best
Cons
May not be the best choice for homeowners who often move, as it only writes home policies in seven states

Online quotes are not offered
North Star Mutual offers more than a dozen endorsements for policyholders, including the following:
- Refrigerated food products: Will cover the costs after a covered loss that causes refrigerated food to spoil.
- Replacement cost for personal property: Does not take depreciation into account when determining the payout for a covered claim related to the loss or damage of personal property.
- Theft while under construction: If you are building or adding on to your home, this add-on will pay out if theft occurs during construction.
- Watercraft liability: Will pay for costs associated with the loss or damage to a watercraft, including sailboats, pontoons and more.
- Inland marine endorsements: These are offered for a variety of objects, including guns, fine art, sports equipment, computer equipment and portable tools.

Compare rates by city


Duluth	$1,632
Minneapolis	$2,333
Saint Paul	$2,202
Rochester	$1,544
Lakeville	$1,980

Additional Minnesota home insurance companies to consider

State Farm

Homeowners looking for above-average customer service

State Farm is the largest writer of homeowners insurance policies in the U.S., with nearly 18 percent of the market share, and there are some good reasons for its popularity. With more than 200 agents in Minnesota, you are likely to find a company representative no matter where you live in the state. It has an above-average ranking from J.D. Power for overall customer satisfaction (643/1,000). If you prefer to do your insurance business online, State Farm has a robust, informative website and mobile app that allows you to view and manage your policies, pay your bill and more. One nice perk: homeowners may qualify for a free fire hazard monitoring device when they purchase a policy.

If you’re interested in a policy, read more about State Farm’s coverage.

Travelers

Homeowners who wish to personalize their policy

Travelers may be a good choice for homeowners who want solid policy options that allow them to craft their coverage to fit their circumstances. In addition to standard coverage types for your dwelling, property and liability, the company offers a range of add-ons that may be appealing, including a green home endorsement that provides additional protection to cover the costs of repairing or rebuilding with environmentally-sensitive materials after a covered loss. You may want to get quotes from a range of carriers if customer service is your highest priority, though. Travelers ranked near the bottom of J.D. Power's 2024 U.S. Home Insurance Study for customer satisfaction (609/1,000) and also scored below average for claims satisfaction (845/1,000).

See how a Travelers’ home insurance policy stacks up in our review.

Cheapest home insurance companies in Minnesota

Although the state's average rate for home insurance is above the national average, it is possible to find affordable coverage by looking at companies that are known for writing the best cheap home insurance in Minnesota. Bankrate's team has already done the legwork for you, sifting through the insurers writing policies in the state to see who has the most affordable coverage. Based on what we found, here are the five companies with the lowest average home insurance cost in MN:


North Star Mutual	$159	$1,913	-939
Auto-Owners	$165	$1,975	-877
State Farm	$213	$2,554	-298
American Family	$236	$2,837	-15
Chubb	$246	$2,950	98

How to get cheap Minnesota home insurance

Although it's important to have robust insurance coverage in Minnesota to protect your investment in your home and property, no one wants to pay more than they need to for their policy. Fortunately, there are several strategies you can use to save money while ensuring that you are purchasing the best Minnesota homeowners insurance.

Shop around: As you can see from the average rates above, each insurer has its own methodology for determining rates, and two insurers may give you completely different rates for the exact same coverage. So it makes sense to request quotes from several insurers to see who offers you the best rate for your policy.
Consider your deductible: If you can afford to do so, you may want to consider raising your deductible, which should immediately lower your premium. Keep in mind, however, that you would need to pay this amount in the event of a covered peril, so you will want to ensure that whatever deductible you choose is an amount that you are comfortable paying on short notice.
Review your coverage: Understanding how much home insurance you should purchase can be a little tricky. If you're not sure you have the right amount, it could be time for a conversation with a knowledgeable agent. Perhaps there are optional coverage types you can eliminate if you are trying to save money, or you may want to lower your basic coverage limits. An agent can help you understand what you actually need to protect your finances.

Best home insurance discounts in Minnesota

Taking advantage of discounts is another way to save money on your Minnesota homeowners insurance. Almost all insurers offer at least a few discounts, and they can be easy to earn. Consider the following common discounts when you are looking for the best Minnesota home insurance:

How to save on home insurance policy renewals in Minnesota

Once you have purchased affordable coverage in Minnesota, you will undoubtedly want to ensure that your rate stays low each time you renew. Here are some tactics that may prevent your rates from rising at renewal time.

Limit claims. Insurers may increase your rate if you have filed one or more claims in the previous year. Too many claims may even lead them to refuse your renewal. If you have a loss that is not too costly — near your deductible or only slightly above it — consider footing the bill yourself rather than filing a claim to avoid an increase.
Maintain your credit rating. Statistics show that individuals with high credit scores are less likely to file claims. This makes high-credit homeowners desirable policyholders for insurers, and they are likely to earn lower rates than those who have low credit ratings. If you can improve your credit rating even by a small amount, you may be eligible for a lower rate.
Raise your deductible. The deductible is the amount you pay out of pocket while your policy takes over to pay the rest. If you can afford a higher deductible, you will likely see a lower premium, since it means your insurer will be paying less after a covered claim. However, be careful that you don't raise your deductible so high that you would have difficulty paying it if you need to file a claim.
Review your policy annually. An informal annual policy audit, either on your own or with the help of an agent, can highlight changes that could be made to lower your premium. You may want to change your coverage limits, for example, if a building on your property has depreciated in value or you no longer own it. An audit may also uncover any new discounts that your company has implemented in the past year.

How much is home insurance in Minnesota?

The average cost of homeowners insurance in Minnesota is $2,852 per year for a policy with $300,000 in dwelling coverage. For comparison, the average American homeowner pays $2,408 per year for home insurance.

Minnesota home insurance is more expensive than the national average, and also more expensive than homeowners insurance in winter weather.

Minnesota homeowners insurance rates by city

Even within the same state, insurance rates may vary depending on where you live. Regions in the northern part of the state that see more severe winter weather, for example, may have somewhat higher premium rates because of the increased risk of claims related to snow and hail. Areas with higher crime rates may also see increased rates.

City	Avg. annual premium	Percent difference
Rochester	$2,540	11% below state average
Babbitt	$2,553	11% below state average
Ely	$2,559	10% below state average
Adolph	$2,570	10% below state average
Finland	$2,571	10% below state average

City	Avg. annual premium	Percent difference
Norcross	$3,085	8% above state average
Wendell	$3,066	8% above state average
Elbow Lake	$3,065	7% above state average
Hoffman	$3,065	7% above state average
Barrett	$3,062	7% above state average

*Rates are for $300,000 in dwelling coverage

What does home insurance cover in Minnesota?

Standard home insurance policies cover your home and belongings in two different ways. Your personal property, from clothing to appliances, is covered on a named perils basis, which means you are covered for 16 common "perils." These include the following:

Wind and hail: This is the most common claim by homeowners in the U.S., and may include damage caused by winter storms.
Water damage and freezing: Minnesota homeowners are likely to be familiar with the potential damage caused by freezing pipes that may crack and cause water damage. It’s the second-most common claim by homeowners.
Fire and lightning: The third-most common claim in the U.S., damage caused by fires and lightning strikes accounted for nearly 22 percent of claims in 2022, according to the Insurance Information Institute.

Your home and any other structures are covered under an open peril basis, which means that damage to them is covered as long as the damage is not caused by something that is specifically excluded from the policy.

One important fact to know is that flooding is not generally covered in a basic home insurance policy. If you live near an unpredictable waterway or your property is vulnerable to flooding from the annual snow melt, you may want to consider a separate flood insurance policy.

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Additional home insurance coverage types in Minnesota

If you live in Minnesota, you may want to look for an insurance policy that includes coverage tailored to your state’s common causes of loss. In addition to the standard offerings on your policy, your insurer is likely to offer optional add-ons, called endorsements, or even additional policies, that provide more complete coverage for your property. Some common endorsements or add-ons worth considering in Minnesota include the following:

Flood insurance: With the Mississippi River, over 10,000 lakes and the likelihood of significant snowmelt, Minnesota homes are at considerable risk of flooding. Typically, flood damage is not covered in standard home insurance policies. If you’re interested in buying a separate flood insurance policy, you can contact the National Flood Insurance Program (NFIP) or a private company that sells flood insurance.
Scheduled personal property coverage: If you own precious or expensive items, scheduled personal property coverage could be beneficial. This coverage allows you to increase your coverage limits for specific items like jewelry, art, furs, sporting equipment or collections.
Identity theft insurance: Many home insurance companies offer identity theft coverage, which can help pay for identity restoration services, like credit monitoring and legal fees.
HO-3 policies, the most common type of homeowners insurance. If you have issues with your plumbing or rely on a sump pump to keep your basement dry, it may be worth adding to your policy.

Common Minnesota home insurance problems

The insurance industry is increasingly challenged to write affordable policies for homeowners, because of the increase in severe weather brought about by climate change. An increase in winter storms, wildfires and more has led to an uptick in the number of claims files in many states. Although this is most pronounced in states that are coastal, such as Florida and California, even Minnesota homeowners may find themselves paying more for their policies.

Here are a few of the challenges Minnesota residents may have with their insurance:

Supply chain issues: Homeowners faced with repairs or rebuilding after a covered claim may notice that supplies such as lumber and other building materials have increased greatly in price since the pandemic. Because of this, insurers are raising their rates to counter the effect of claims that are more expensive than they were a decade ago.
Coverage exclusions: Standard policies may have holes in their coverage that could leave homeowners vulnerable to out-of-pocket repairs. One of the most common instances of this is flood damage, which is not covered by HO-3 policies.
Limited availability: Homeowners who live in areas of the state that see a higher number of claims may find insurers who are reluctant to write policies, especially in areas with higher crime rates and more exposure to severe weather. This may leave them with fewer options for coverage, and correspondingly higher premiums for basic insurance policies.

New

What’s going on in the Minnesota homeowners insurance market?

According to the online fire danger and burning restrictions maps that can help homeowners prepare for any possibility of danger in their local region.
The Minnesota Department of Commerce issued an alert for homeowners to be aware of limitations to their homeowners insurance policies, due to an increased number of complaints following winter storms. Some insurers, the alert noted, are now including a separate and higher deductible for hail and wind damage. This has caused an increased number of coverage denials or unexpectedly high out-of-pocket costs after damage from wind or hailstorms.

Frequently asked questions

The best homeowners insurance company will be different for each homeowner because everyone’s home insurance needs are unique. For instance, if you want to insure your home and vehicles with the same company, you might shop for a carrier that gives you the best bundling discount. If customer satisfaction is important to you, you might choose a company that earns high third-party ratings or won a Bankrate Award. To give you a starting point, you might request quotes from Auto-Owners, Country Financial, Allstate, American Family and North Star Mutual since these were some of the best homeowners companies we found issuing policies in Minnesota.
Since home insurance premiums vary by carrier and depend largely on your individual rating factors, the cheapest company will often be different for everyone. One of the best ways to find the lowest-priced coverage for your needs is to get quotes from several different companies. This can allow you to review the coverage offered by each company as well as the quoted premiums.
Getting homeowners insurance in MN is a relatively simple process. You can request quotes from available carriers licensed in Minnesota after determining the type of coverage that you are looking for. You will likely have to provide the insurance company with some basic information about you and your home to receive a quote. Most insurance providers will offer quotes online or by phone, depending on how you prefer to receive them. Some insurance providers have local offices where you can speak directly with an agent who can walk you through choosing the insurance that is right for you.
Flood damage is generally not covered on a homeowners insurance policy. You will likely need to purchase a standalone policy, which you can get from some private carriers or from the NFIP. If you are not sure if your home is located in a high-risk flood zone, you can enter your address into FEMA’s Flood Map Service Center.

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage levels:

40 year old

Married male and female homeowners

2017 build year

Primary home

Good credit score

Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Additional profiles:

Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, &75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

Overall Score

Cost & ratings 50%
Coverage & savings 30%
Support 20%

Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from NAIC, were analyzed.
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Best homeowners insurance in Minnesota for 2025

Compare the best home insurance companies in Minnesota

The top 5 home insurance companies in Minnesota

Best for low average rates

Overview

Pros and cons

Additional coverage

Compare rates by city

Best for customizable coverage

Overview

Pros and cons

Additional coverage

Best for bundling

Overview

Pros and cons

Additional coverage

Compare rates by city

Best for customer service

Overview

Pros and cons

Additional coverage

Compare rates by city

Best for coverage packages

Overview

Pros and cons

Additional coverage

Compare rates by city

Additional Minnesota home insurance companies to consider

State Farm

Travelers

Cheapest home insurance companies in Minnesota

How to get cheap Minnesota home insurance

Best home insurance discounts in Minnesota

How to save on home insurance policy renewals in Minnesota

How much is home insurance in Minnesota?

Minnesota homeowners insurance rates by city

What does home insurance cover in Minnesota?

Compare home insurance rates

Additional home insurance coverage types in Minnesota

Related content:

Does homeowners insurance cover snow damage? Previously Read

How to prevent your home from flooding Previously Read

Windstorm insurance Previously Read

Common Minnesota home insurance problems

Frequently asked questions

What is the best homeowners insurance in Minnesota?

What is the cheapest homeowners insurance company in Minnesota?

How do I get homeowners insurance in Minnesota?

Is flood insurance included in my home insurance policy?

Methodology

Bankrate Scores