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minnesota homeowners insurance

When your state's home to one of the largest shopping malls in the country, it's easy to get used to scoring some pretty sweet deals. So why should shopping for home insurance be any different?

An Esurance home insurance policy helps protect your valuables, your guests, and your personal liability if life ever takes a turn for the worse. Whether you live in Minneapolis, Saint Paul, Rochester, or anywhere in between, get your free quote in just a few minutes for affordable and reliable coverage.

home insurance discounts in minnesota

Residents of the Land of 10,000 Lakes know a thing or 2 about saving, whether it's conserving warmth in the winter with the Minneapolis Skyway System or preserving fossils at the Science Museum of Minnesota. We like helping Minnesotans save too, which is why you'll see a variety of discounts as you're getting your free quote, all intended to save homeowners big.

Welcome Home discount

Whether you're a brand-new homeowner getting coverage for the first time or switching to us from another home insurer, we'll welcome you to the Esurance family with this discount on your first 2 policy terms.

Other discounts for Minnesota homeowners insurance include:

  • DIY Inspection discount
  • Claim-Free discount
  • Loyal Customer discount
  • Multi-Policy discount
  • Home Safety Features discount
  • Smoke-Free discount
  • Preferred Buyer discount
  • Hail Resistant Roof discount
  • Future Effective Date discount
  • Home Buyer discount

coverages that come standard on your policy

Homeowners have more to protect than just 4 walls and a roof. What about the belongings you keep at home, your personal liability, and your financial future? Fortunately, an Esurance policy goes above and beyond protection for the structure of your home with an assortment of coverages that come standard with your policy.

Dwelling protection

Depending on where you live in Minnesota, you could get over 70 inches of snowfall every year. While that much snow is pretty from your window, it can be a nightmare if it damages your roof. You're in luck though, because if a covered risk like the weight of snow, hail, or even wind damages your home, your policy could help pay to repair or rebuild your beloved abode.

Personal property protection

With an Esurance policy, things like your appliances and furniture are protected against damage and theft. Want to determine the level of coverage that works best for you? A simple home inventory can save you a Lake Superior-sized headache down the road.

Other home coverages that come standard in the North Star State include:

  • Guest medical protection
  • Other structures protection
  • Additional living expense coverage
  • Family liability protection

optional coverages for your minnesota home

Additional protection can mean greater peace of mind, especially if you have more valuables or savings to protect.

Identity theft expense coverage

For just $3 a month ($4 for 2 people), we provide you with a service dedicated to fixing the damage done to your name and credit, an annual credit report and score, monthly credit file monitoring, and your very own ID theft advisor.

Want more optional coverages to get the most from your home policy? You might consider our eco upgrade coverage, building codes coverage, golf cart coverage, and additional coverage for jewelry, watches, and furs.

Related links

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Find out whether your policy protects you from water damage, flooding, and more.

Wonder if you could be saving on homeowners insurance?

get your free quote online

or call 1-866-439-5633