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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