Homeowners insurance availability in Minnesota
Minnesota led the country in 2025 premium increases (+34% per industry rate tracking) on hail and convective storm losses, a spreading edge of the availability crisis outside the classic disaster states.
Carrier availability
We track verified changes to who is writing new homeowners business. A carrier listed as steady has no disruption on record and is generally still writing on its normal terms. Every change links a dated primary source.
Steady, no change tracked
State Farm · Allstate · USAA · Liberty Mutual · Farmers Insurance · Travelers · American Family · Nationwide · Chubb · Erie Insurance · Auto-Owners · Progressive · Mercury Insurance · CSAA (AAA) · Kin Insurance
Tracked activity in Minnesota
Minnesota property insurance task force adopts final recommendations
The Task Force on Homeowners and Commercial Property Insurance voted its final recommendations at its February 5, 2026 meeting, reporting to the Legislature and the commissioners of Commerce and Housing. It recommended that the Minnesota FAIR Plan examine the feasibility of offering additional products including commercial property, affordable multifamily housing, common interest communities, and smaller multi-unit properties, with legislative funding for the actuarial study and an explicit instruction that the FAIR Plan remain a market of last resort only. It also recommended funding the Strengthen Minnesota Homes program under Minn. Stat. 65A.299, incorporating IBHS FORTIFIED roofing standards into state building codes, creating catastrophic and mitigation savings accounts, and legislative examination of third-party litigation financing. This is the reporting output of the task force created in 2025.
Source: Minnesota Legislative Coordinating Commission, task force final report · verified 2026-07-20
Minnesota creates homeowners insurance availability task force
The Minnesota Legislature established a Task Force on Homeowners and Commercial Property Insurance to study market availability and affordability, with a report and recommendations due by February 2026.
Source: Minnesota Legislative Coordinating Commission · verified 2026-07-02
Minnesota law permits non-renewal after three large wind/hail losses
A Minnesota law effective August 1, 2024 allows an insurer to refuse to renew a homeowners policy if the insured had three or more covered losses each over $10,000 from lightning, wind, rain, or hail during the preceding five years, with insurer obligations specified.
Source: Minnesota House Public Information Services · verified 2026-07-02
Minnesota Commerce reports homeowners complaints more than doubled
The Minnesota Department of Commerce reported homeowners insurance complaints rose from 569 in 2020 to 1,185 in 2023, driven largely by denied claims and higher out-of-pocket costs after wind and hail damage.
Source: Minnesota Department of Commerce · verified 2026-07-02
Non-renewed or can’t find coverage?
You have more options than the cancellation letter suggests: deadlines to act, the state’s last-resort program, and carriers that specialize in hard-to-place homes.
The Minnesota non-renewal playbook