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The Land of 1,000 Lakes may be known for its wilderness, rolling prairies, and a couple of famous cities built right next to each other, but Minnesotans know it best as home. Whether you've made yours in the Twin Cities, Rochester, or the northern port city of Duluth, it's important to keep it safe. Protect your home with flexible, reliable homeowners insurance from Nationwide. And with our home insurance discounts members can save even more on our affordable home insurance coverage.
Get a Minnesota home insurance quote and start protecting your home today.
Minnesota homeowners coverages and discounts
What we can cover
Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.Explore coverages & options
Brand New Belongings®
Repair or replace your covered possessions, regardless of age or condition.Get Brand New Belongings®
Homeowners insurance discounts
Making your policy more affordable.See how you can save
Bundle your insurance policies and save money
Does paying too much leave you colder than a Minneapolis street sign in January? Warm up with some savings by bundling your coverages. You can save up to 20 percent when you bundle your home and auto insurance with Nationwide. That's more money for ice fishing supplies, that snowmobile you've been wanting, or maybe just a few extra blankets. You can also bundle other coverages such as boat and auto, multicar, and auto, home and life insurance. Get all the coverage you need in one place and save more of your money for enjoying everything Minnesota has to offer.
What factors go into determining a homeowners insurance rate?
While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:
Location includes the state, ZIP code, and claims history of the area.
The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.
Age of the house
How new or old the house is, and the upgrades that were made to an older home.
The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.
Owning a swimming pool may increase your liability coverage to cover possible injuries.
If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.
The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.
Find Nationwide Insurance near you in Minnesota
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Get a free Minnesota homeowners insurance review
- Increase or decrease your deductible(s)
- Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
- Review our responsive home insurance claim policy
Nationwide coverage in Minnesota
 Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.