What is personal insurance?

When we think of personal insurance, you should be thinking of car, homeowners, motorcycle, boat, life insurance, and more.  Basically, it’s insurance for your family and individuals.  Let’s run through a few definitions.

Boat Insurance in Minnesota – Boat Insurance protects you from damage and claims relating to your boat. Your contract with the insurance company can provide for liability, the boat itself, the motor, and trailer.

Car Insurance in Minnesota – Car insurance protects you from claims and losses related to your car. Bodily injury, property damage, personal injury protection, uninsured and underinsured are required under Minnesota law.  Physical damages coverage like comprehensive and collision are optional.

Homeowners Insurance in Minnesot– Homeowners insurance can cover a house, personal property, other structures, loss of use, liability, and medical payments. Deductibles for $500, 1000 & $2,500 are common.

Life Insurance in Minnesota – Life insurance is a contract with an insurance company. A premium is paid to provide payment of the insured’s death. Popular types are term life, whole life, and universal life.

Motorcycle Insurance in Minnesota – Motorcycle insurance is a contract with an insurance company giving protection for motorcycle ownership losses. Coverage for insured’s medical, uninsured motorist and the underinsured motorist is not required in Minnesota.      

Minimum requirements for Minnesota car insurance

It is illegal to drive in Minnesota without auto insurance.  The coverage must meet the minimum levels set by the state of Minnesota:

  • Bodily injury liability: $30,0000 for bodily injury or death of anyone person and $60,000 for all persons in any one auto accident.
  • Property damage liability: $10,000 for anyone auto accident.
  • Personal injury protection or PIP – $20,000 medical and $20,000 wage loss/disability.
  • Uninsured Motorist Coverage – $25,000/$50,000
  • Underinsured Motorists Coverage – $25,000/$50,000

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Who has the best cheapest car insurance in Minnesota?

Progressive, State Farm, Travelers, AAA?  It really depends on numerous factors, and no one company wins the battle of the cheapest car insurance in Minnesota.  The type of car, your age, where you live, driving record, and credit are just a few things used to determine your rates. So, when your friend says, hey, AAA Insurance has the best rates in town.  It’s possible, but there are so many factors. What is good for one consumer might not be the best for the next.  Click this car insurance link if you would like a quote and complete review with 25 top-rated Minnesota insurance companies.

What is the best homeowners insurance for me?

Renters Insurance, HO-4 – Renters insurance is for the renters.  You are just looking to insure your personal property.  The policy also comes with personal comprehensive liability coverage and medical payments to others.

Townhome or Condo Insurance, HO-6 – Townhome or condo insurance if you own your property, but you have limited responsibility for the structure or building.  Again, insuring your personal property and liability.  You may need loss assessment and water sewer back up coverage.

Home Insurance, HO-3 or HO-5 – Insurance for the structure, other structures, personal property, loss of use, personal liability, and medical payments.  A replacement cost settlement is desired.  Common deductibles are $1,000 and $2,500.  Watch out for the percentage deductible. 1% & 2% deductibles for wind and hail are normally not in the consumers’ best interests.


Get a Minnesota homeowners insurance comparison

Shopping for MN homeowner insurance can be tricky.  Going to some website, making your own selections for coverage might be a mistake.  We recommend using an agent that represents multiple insurance companies.  As agents, we work with home insurance every day, year in, and year out.  Why not have a professional help you?

Shopping for a homeowners insurance quote and want the best rate?

We represent over 25 different carriers and will help you make the best choice.  The best choice in cost and protection.  Not all MN homeowner’s policies are the same on the inside. Let us help you find the best deal and best home insurance quote.

These are some of the other types of personal Insurance

ATV Insurance

Burial Insurance

Disability Insurance

Flood Insurance

Health Insurance

Long-Term Care Insurance

RV Insurance

Wedding Insurance

Insuring Minnesota

Secure low-cost car insurance, home insurance, and other types of personal insurance.






The MN Commerce Department – Auto Insurance Basics


Minnesota Auto Insurance Plan – Risk Auto Insurance


Minnesota Fair Plan – Hard to Place Property Insurance


NAIC – National Association of Insurance Commissioners – Glossary of Insurance Terms


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