Average homeowners insurance cost in Duluth, MN

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In Duluth, homeowners pay an average annual rate of $2,288 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $294 less than the national average of $2,582.

Homeowners insurance rates change from one home to another. The home insurance premium in Duluth depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Duluth, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Duluth.

Key takeaways

In Duluth, homeowners insurance costs $2,288 annually.
West Bend Mutual offers the most affordable homeowners insurance in Duluth with an average annual premium of $1,308.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $562 higher.

Average homeowners insurance cost in Duluth per month

According to our rate analysis, homeowners in Duluth pay an average of $191 per month. It’s $9 less than the state average of $200 and $24 less than the national average for home insurance across the United States.

In Duluth, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

Average homeowners insurance cost for a $200,000 house in Duluth

The average cost of homeowners insurance in Duluth, MN is $1,726 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Duluth

Based on a rate analysis conducted by Insure.com, Duluth residents pay an average of $2,288 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $562 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

Average homeowners insurance cost in Duluth by company

Among the carriers analyzed, West Bend Mutual is the most affordable homeowners insurance company in Duluth. It’s average annual rate for homeowners in Duluth is $1,308.

Automobile Club MI (AAA), ranks second and Auto-Owners makes it to the third spot with an average annual home insurance rate of $1,634.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Duluth and compiled a list of the most affordable home insurance companies.

Below are details of Duluth home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
West Bend Mutual	$1,308
Automobile Club MI (AAA)	$1,621
Auto-Owners	$1,634
Western National Mutual	$1,793
North Star Mutual	$1,910
Farmers	$2,206
State Farm	$2,386
Country Financial	$5,417
American Family	$2,403

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Duluth for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.