Minnesota Homeowners Insurance Guide: Coverage, Costs and Quotes
The complete starting point: what a Minnesota homeowners policy covers, how to set dwelling coverage at rebuild cost, the deductibles to watch, and what to have ready for a quote.
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Insurance answers for
Minnesota homeowners & drivers.
Plain-English guides on home, auto, hail, winter and coverage questions — new articles publishing soon.
What You'll Find Here
This is the home of the Block Agency blog: plain-English insurance guides for Minnesota and Wisconsin households from a local Farmers Insurance® agency in Eagan. The first guides will cover hail and wind/hail deductibles, ice dams and frozen pipes, no-fault auto and the 30/60/10 minimum, deer collisions, and bundling home and auto. Previews of the guides on our calendar are below. Until they publish, the fastest answer is a free quote or a quick call.
- Focus
- Minnesota & Wisconsin coverage
- Status
- New guides publishing soon
- Written by
- The Block Agency team in Eagan, MN
- Free quotes
- (651) 252-6655
No guides match that search yet. Try a different word, or request the topic and we'll put it on the calendar.
Home insurance. The Minnesota questions, answered.
Minnesota homeowners are seeing higher renewals, percentage wind/hail deductibles, and roofs settled at depreciated value. These guides explain what your policy covers, what it doesn't, and what to ask before your next renewal.
How Much Is Homeowners Insurance in Minnesota?
What shapes a Minnesota home insurance premium (rebuild cost, roof age, claims history, deductibles and location) and why two similar houses can price very differently.
Why Are Minnesota Home Insurance Rates Rising, and What Can You Control?
Minnesota premiums have climbed fast since the 2022 and 2023 storm seasons. What's driving your renewal, and the levers you still control.
Home Insurance Nonrenewal in Minnesota: What to Do Next
Got a nonrenewal notice? What Minnesota requires insurers to tell you, how much time you have, and the steps to line up new coverage before the date.
Home Insurance in Eagan, MN: Hail, Roofs and Coverage for Dakota County Homes
Home insurance for Eagan and Dakota County: hail exposure, local housing stock, and the coverage questions we hear most from our own neighbors.
Hail, roofs & winter. Minnesota's two claim seasons.
Hail is behind some of Minnesota's costliest home claims, and winter brings ice dams and frozen pipes. This series covers the policy language that matters when the storm or the deep freeze hits.
Hail Damage and Your Minnesota Home Insurance: Roofs, Deductibles and Claims
How hail claims work on a Minnesota home policy: percentage deductibles, cosmetic-damage language, roof settlement, and the steps to take after a storm.
Wind and Hail Deductibles in Minnesota: How Percentage Deductibles Work
A 1% or 2% wind/hail deductible is a percentage of your dwelling coverage, not a flat amount. How to find yours and what it means in real dollars.
Replacement Cost vs. Actual Cash Value for Your Roof: What Changes After Hail
Replacement cost or actual cash value? How your roof is settled after hail can change what you're paid by thousands. How to tell which one you have.
Can You Get Home Insurance With an Older Roof in Minnesota?
An older roof can mean fewer options or a depreciated settlement. What to expect when you shop coverage with an aging roof, and what helps.
Does Homeowners Insurance Cover Ice Dams?
When ice dams push meltwater into ceilings and walls: what home insurance typically covers, what it doesn't, and how to head off the next one.
Frozen Pipes in a Minnesota Winter: What Home Insurance Covers
Burst pipes in a deep freeze: what's usually covered, the reasonable-care conditions in your policy, and what to do in the first hour.
Reading is free. So is the quote.
Tell us about your home and cars, and a local Farmers agent in Eagan will walk you through your options in plain English, in English or Spanish. About 15 minutes to get started.
Auto insurance. Built past the state minimum.
Minnesota is a no-fault state with 30/60/10 minimum liability, plus required PIP and uninsured/underinsured motorist coverage. These guides cover what the law requires, what most drivers add, and how to keep your premium in check without leaving gaps.
Minnesota Car Insurance Guide: Requirements, Costs and Quotes
Everything in one place: Minnesota's required coverages, how no-fault works, what drives your rate, and how to get an accurate quote.
What Car Insurance Is Required in Minnesota?
Liability, personal injury protection, and uninsured/underinsured motorist coverage: what Minnesota requires on every policy and what those numbers really mean.
How Does Minnesota No-Fault (PIP) Insurance Work After an Accident?
How Minnesota's no-fault PIP pays medical bills and lost income after a crash no matter who caused it, and when you can still sue.
Uninsured and Underinsured Motorist Coverage in Minnesota: Is the Minimum Enough?
Minnesota requires uninsured and underinsured motorist coverage, but the minimum is low. How to decide whether to raise it.
Liability-Only vs. Full Coverage in Minnesota: When Does Each Make Sense?
When liability-only can make sense on an older car, when collision and comprehensive are worth keeping, and how to run the numbers.
Affordable Car Insurance in Minnesota: How to Lower Your Premium Without Dropping Coverage
Practical ways to lower your Minnesota car insurance premium (deductibles, discounts that may be available, bundling) without cutting the coverage that protects you.
How Much Is Car Insurance in Minnesota? What Actually Drives Your Rate
What actually moves a Minnesota auto premium: driving record, vehicle, ZIP code, coverage limits, and credit-based insurance scores.
What Do You Need for a Car Insurance Quote in Minnesota?
The short checklist for a fast, accurate quote: driver details, vehicles, current coverage, and the limits you want to compare.
Does Car Insurance Cover Hitting a Deer in Minnesota?
Hitting a deer is usually a comprehensive claim, not collision. What that means for your deductible, and what to do at the scene.
Car Insurance in Minneapolis: Rates, Parking and Coverage Questions
Car insurance in Minneapolis: how city driving, parking, and theft risk play into your rate, and the coverage questions worth asking.
Renters & condo. Coverage for the walls you don't own.
Your landlord's policy covers the building, not your belongings or your liability. Condo owners split coverage with the association's master policy. These guides show where your part starts.
Renters Insurance in Minneapolis and Minnesota: Coverage, Cost and Lease Requirements
What renters insurance covers in Minnesota (belongings, liability, and loss of use), what it typically costs, and how lease requirements work.
Can a Minnesota Landlord Require Renters Insurance?
Can a Minnesota landlord make renters insurance part of your lease? What to look for in the lease and how to show proof of coverage.
Condo and Townhome Insurance in Minnesota: HO-6 vs. the Association's Master Policy
HO-6 vs. the association's master policy: who covers what in a Minnesota condo or townhome, and why loss assessment coverage matters.
Bundles & umbrella. One agency, fewer gaps.
Putting home and auto together can simplify things, and an umbrella adds liability protection above both. These guides cover when bundling helps and how much umbrella coverage fits your household.
Home and Auto Bundle in Minnesota: When Does Bundling Actually Save?
When combining home and auto with one agency actually saves, when it doesn't, and what to compare beyond the discount.
Umbrella Insurance in Minnesota: Who Needs It and How Much
Who benefits from a personal umbrella policy, how it sits on top of your home and auto liability, and how to choose a limit.
About this blog. Fair questions.
Who will write these guides?
The team at Block Agency, a local Farmers Insurance® agency in Eagan, MN, led by agency owner Ryan Block. The topics come from the questions Minnesota and Wisconsin clients ask us on the phone, and every guide is reviewed before it goes live.
Is this personalized insurance advice?
No. These guides are educational: they explain how insurance works in Minnesota and Wisconsin and what most people in similar situations tend to do. Coverage that actually fits your house, your cars, and your family takes a conversation. That conversation is free, takes about 15 minutes to get started, and starts at our quote page or (651) 252-6655.
Are these guides only about Farmers policies?
No. The guides explain how coverage works in general: what a policy covers, what it skips, and the questions worth asking at renewal. When you're ready for a quote, we start with Farmers options and can also shop additional carriers when Farmers isn't the right fit.
When will the first guides publish?
Soon. Every guide marked Coming soon on this page is already on our publishing calendar, starting with the topics Minnesota households ask about most: hail and wind/hail deductibles, winter claims like ice dams and frozen pipes, no-fault auto and the 30/60/10 minimum, and bundling home and auto. Email us if there's a topic you'd like us to cover first.
Will the guides apply in Wisconsin?
Yes, where the rules match, and we'll call out where they don't. Minnesota is a no-fault auto state with 30/60/10 minimum liability plus $40,000 in personal injury protection; Wisconsin is an at-fault state with 25/50/10 minimums. Ryan is licensed in both states, and our phone number works the same either way.
Have a question we haven't written up yet? Call (651) 252-6655 — we like the hard ones.
Explore coverage. Then get covered right.
Don't want to wait? Get your real number.
Free, fast, and in plain English.
Tell us about your home, your cars, and your plans. We'll start with Farmers options, build the coverage around your life, and can also shop additional carriers when Farmers isn't the right fit. About 15 minutes to get started, in English or Spanish.