Country Guide
Best Home Insurance in Minnesota (2026)
Minnesota homeowners face harsh winters and severe storm risks. Compare top carriers for comprehensive MN coverage.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in Minnesota
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Storm coverage | $2,040/yr | — |
| 2 | USAA | Military families | $1,680/yr | — |
| 3 | American Family | Midwest coverage | $2,160/yr | — |
| 4 | Auto-Owners | Local agents | $1,920/yr | — |
| 5 | Farmers | Rural properties | $2,280/yr | — |