Duluth has 87,093 residents in 37,447 households. We list 4 agencies for home insurance in Duluth. Here is what the local numbers say about the cover people here need.

Duluth at a glance

4home insurance agencies listed
40.6%of households rentRenters insurance
$242,700median home valueHome insurance
1951median year homes were builtRebuild cost calculator
10.2%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in St. Louis County

FEMA rates the overall natural hazard risk in St. Louis County, where most Duluth agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Duluth

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Where Duluth agencies are

Duluth agencies we list sit in 2 ZIP codes, mostly in St. Louis County.

558022 agencies
558072 agencies

Questions

Home insurance in Duluth

All insurance agencies in Duluth · Home insurance across Minnesota

Where can I find home insurance in Duluth?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Duluth?

FEMA's National Risk Index rates inland flooding risk in St. Louis County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Home insurance near Duluth

For insurance agencies

Is your Duluth agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing