Insurance
Homeowners Insurance in Minnesota
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
Minnesota homeowners paid about $1,774 a year on average in 2022, the 11th highest in the country and about $200 above the U.S. average of $1,569.
A big reason is weather: hail, wind, and storms. Minnesota law responds to that with specific rules about storm claims, non-renewals, and percentage deductibles. Here's how they work.
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The storm-claim rule for non-renewal
Under Minnesota law, an insurer may refuse to renew your homeowners policy if you've had three or more covered losses, each over $10,000, from lightning, wind, rain, or hail in the past five years.
If it does, it must give you 60 days' notice, say exactly why, and tell you about the Minnesota FAIR Plan, the state's backup insurer.
Insurers also have their own claims plans that can lead to non-renewal, but those come with a warning first (see below).
Percentage wind and hail deductibles: you get a choice
More insurers are moving to percentage deductibles for wind and hail, where you pay a percentage instead of a flat amount. Minnesota sets rules for that switch:
| The insurer must | What it means for you |
|---|---|
| Give you 60 days' notice before the change | Time to shop |
| Explain it in plain language with an example | You can see what a hail claim would cost you |
| Apply the percentage to the actual repair cost | The percentage is figured on the damage, not on your whole policy limit |
| Offer at least one flat-dollar deductible option | You can choose a fixed amount instead |
If you don't pick the percentage deductible but renew anyway, you get the flat-dollar deductible. Read the notice carefully and compare the two before you decide.
Asking questions won't count against you
Each Minnesota insurer has a plan for how many claims, and how large, can lead to non-renewal. But asking about a "what if" claim, or asking your agent whether something might be covered, doesn't count as a claim.
And before an insurer can drop you for your loss history, it must first send you a written warning that more losses could lead to non-renewal.
When your insurer can drop you
- First 59 days: a new policy can be canceled for any reason the law doesn't prohibit. You get a written notice about this when you apply.
- Non-renewal: the notice must state a specific reason in plain language, and tell you about the FAIR Plan and your right to object to the Commerce Commissioner.
The Minnesota FAIR Plan
If no private insurer will cover your home, the Minnesota FAIR Plan is the backup. Any non-renewal notice must tell you it exists. Keep shopping the private market too.
What changes your price in Minnesota
- Your roof: age, material, and hail resistance
- Your wind and hail deductible: flat or percentage
- Your home's rebuild cost
- Your claims history, especially storm claims
- Winter risks like ice dams and frozen pipes
Not a quote or an offer. Your price comes from the insurance company.
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Hail hit your roof? See hail damage roof repair and roof replacement. Winter damage? See insulation and gutter guards.
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