How much is home insurance in Minnesota? Why are Minnesota home insurance costs higher than many buyers expect?
In this episode of Minnesota Living with Lana, I sit down with John Simeon, insurance agent with State Farm Insurance, to break down what really drives Minnesota home insurance costs.
We discuss:
• Average home insurance costs in Minnesota
• Why roof age impacts insurance premiums
• How prior claims history affects new buyers
• Inspection issues that trigger higher premiums
• When to contact an insurance agent during the buying process
• Insurance differences for relocation buyers
• What upsizing and luxury buyers should review
• Condo and HOA insurance misunderstandings
If you are relocating to Minnesota, upsizing into a larger home, downsizing into a townhome, or buying a higher-value property, understanding homeowners insurance in Minnesota is critical before making an offer.
Insurance should be part of your buying strategy — not an afterthought.
If you’re planning to buy, sell, or relocate in Minnesota and want a smooth process without surprise costs, I’m happy to help guide you through every step.
Lana Kalinowski, Realtor®
Edina Realty
Serving Eagan, Woodbury, Edina, Minneapolis, Saint Paul & the Twin Cities
📞 651-706-6661
#LanaKalinowskiMN
