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Minnesota is a state that is known for people having a funky and sweet accent and other things. Due to it’s watery atmosphere it’s called the Land of 10,000 Lakes. The state is one of the best-educated and richest states in the whole country! The largest cities are two fold - the Twin Cities of Minneapolis and St. Paul. As far as weather this state has everything. Blizzards hail storms, tornados, severe thunderstorms and just about anything you can think of besides hurricanes which only occur on coastal regions.
Home insurance Minnesota is a bit more expensive than other states in the nation, but it’s not the most expensive ever. It’s more because so many storms and natural disasters hit the state. In the past 10 years they have had crazy landslides, wind damage, flooding and hail storms. You will want to make sure that your home insurance plans cover this type of thing because it’s very important to make sure you will be covered from every angle.
While there are so many lakes in the state, that means that a lot of people like to have lakefront property either as their primary home or a secondary home that is used for vacations. Either way, having a home on a lake does cost a bit more. They are more prone to flooding and vacation houses sit empty for a large portion of the year meaning no one is there to discover problems as they occur.
The cheapest place for home insurance Minnesota is a town called Ely. The rates are significantly lower than the most expensive town of Woodbury. Ely is a center for wilderness recreation as it’s close to many beautiful areas so some people stop off here before starting a new adventure. Another cheap town is International Falls. It got its name because it’s right across the border from Canada. It’s one of the coldest places in the whole US with more than 100 days per year that fall below freezing.
The most expensive places for home insurance Minnesota include Woodbury and Jordan. Woodbury is a lovely suburb of the St. Paul and Minneapolis region. It has nice houses and great schools, and is a wonderful place to raise a family. It probably has more expensive rates because the homes might be more expensive. Jordan is a small town of 5000 people that is well known for its love of baseball. It’s not clear why the rates are more here, but the evidence is undeniable.
While Minnesota is definitely served by many of the major home insurance providers, they also have some regional providers that provide great service by people who know what residents of the state truly need. American Family insurance is a great company that offers coverage in the state. They have tons of discounts that will keep you going for a long time and an easy to use online portal to report claims. There is also the Auto-Owners Insurance Company which contrary to what its name makes you think about, also provide home insurance. This is the type of company that you will have to talk to someone on the phone. You can’t do much online with them at all. You will have to work with your agent over the line if you even just want to file a claim.
Overall, you will want to make sure that you are completely covered in Minnesota or any state that you live. Home insurance is always a good idea because you never know what can happen or when it will happen. The best thing to do is to get insurance as soon as you know you are going to purchase a home. Even if you don’t own your own home, you should still get renter’s insurance to cover you in case anything happens.
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