Minnesota Personal Insurance: Home, Auto & Life Coverage

Minnesota personal insurance provides essential protection across the North Star State. From Minneapolis to St. Paul and Duluth, Dream Assurance Group helps Minnesota residents find comprehensive coverage tailored to your needs.

Personal Insurance Options in Minnesota

Auto Insurance

Comply with Minnesota no-fault PIP requirements and 30/60/10 liability limits.

View Auto Coverage

Homeowners Insurance

Replacement Cost coverage for Minnesota homes against snow, ice, and storms.

View Home Coverage

Condo Insurance

HO-6 coverage for unit owners. Protects interior and personal property.

View Condo Coverage

Renters Insurance

Protect your belongings from theft or damage in your rented apartment or home.

View Renters Coverage

Life & Annuities

Term or Permanent Life insurance options to protect your family's future.

View Life Coverage

Umbrella Liability

Additional liability protection of $1M+ to safeguard your assets.

View Umbrella Coverage

Bundled Home & Auto

Save up to 25% when you bundle your home and auto policies together.

View Bundle Savings

Pet Insurance

Coverage for veterinary bills to keep your furry family members healthy.

View Pet Coverage

Minnesota Insurance Requirements & Laws

Mandatory Auto Insurance Limits

Minnesota is a "no-fault" state. Drivers must maintain the following liability coverage, known as "30/60/10":

  • $30,000 Bodily Injury
    Per person injured in an accident you cause.
  • $60,000 Total Bodily Injury
    Per accident total, regardless of the number of people injured.
  • $10,000 Property Damage
    For damage to another person's car or property.
Additional Requirements:

PIP: $40,000 Personal Injury Protection.
Uninsured Motorist: $25,000 / $50,000.

30/60/10
Minnesota State Minimums

Homeowners Insurance: Legal vs. Lender Requirements

Unlike auto insurance, the State of Minnesota does not legally mandate homeowners insurance. However, if you have a mortgage, your lender will require proof of insurance to protect their investment.

Common Minnesota Risks to Consider:

FloodingSpring flooding along rivers. Consider NFIP policies.
Severe WeatherTornadoes and hail in spring/summer.
Winter FreezeHeavy snow, ice dams, and frozen pipes.

How to Get Personal Insurance in Minnesota

  1. 1. Assess Needs

    Review your home value, vehicles, and assets.

  2. 2. Get Quotes

    We compare rates from top Minnesota carriers to find the best rate.

  3. 3. Review

    Compare coverage options, deductibles, and price.

  4. 4. Bind Coverage

    Get your policy issued, often the same day.

Protect Your Minnesota Family

Get North Star State coverage from a local agent.

Frequently Asked Questions

What insurance do I need in Minnesota?

Minnesota requires 30/60/10 liability, $40,000 PIP, and uninsured motorist coverage.

Is Minnesota a no-fault state?

Yes, Minnesota is a no-fault state requiring PIP coverage.

What about winter weather coverage?

Comprehensive coverage is recommended for snow, ice, and deer collisions common in Minnesota.