Minnesota has 5,739,445 residents. We list 59 agencies for inland marine insurance in Minnesota. Here is what the local numbers say about the cover people here need.

Minnesota at a glance

59inland marine insurance agencies listed
27.8%of households rentRenters insurance
$329,300median home valueHome insurance
1979median year homes were builtRebuild cost calculator
6.7%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 across Minnesota

How many of Minnesota’s 87 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Strong wind17 of 87 counties
Very High in Dakota County, Hennepin County, Anoka County and 2 more.
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Minnesota
Winter weather14 of 87 counties
Very High in St. Louis County, Otter Tail County, Hennepin County.
Hail7 of 87 counties
Very High in Hennepin County.
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Minnesota
Lightning7 of 87 counties
Very High in St. Louis County.
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Minnesota
Tornado5 of 87 counties
Very High in Hennepin County.
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Minnesota
Inland flooding2 of 87 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.
Flood insurance in every state

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Minnesota

Minnesota requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $10,000 of property damage liability, often written 30/60/10. It also requires personal injury protection ($40,000), uninsured motorist coverage ($25,000 per person, $50,000 per accident) and underinsured motorist coverage ($25,000 per person, $50,000 per accident). Minnesota is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Minnesota How much liability cover do you need?

Source: revisor.mn.gov. Checked 2026-10-24.

Insurance companies Minnesota agencies work with

Of the 59 Minnesota agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers53 agencies
Travelers (Standard Fire)43 agencies
Progressive29 agencies
The Hartford28 agencies
Liberty Mutual26 agencies
Mercury26 agencies
Nationwide26 agencies
Safeco26 agencies
Liberty Mutual (Safeco)24 agencies
Nationwide (Colonial)24 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Inland Marine insurance in Minnesota

All insurance agencies in Minnesota · Inland Marine insurance in every state

Where can I find inland marine insurance in Minnesota?

Pick your city in the list on this page to see every agency there that offers inland marine insurance, or search by name or ZIP code.

What does inland marine insurance cover?

Covers goods, tools and equipment while in transit or away from your premises.

Which insurance companies do Minnesota agencies work with?

Among the 59 Minnesota agencies whose appointments we hold, the companies they are most often appointed with are Travelers (53), Travelers (Standard Fire) (43), Progressive (29), The Hartford (28), Liberty Mutual (26). An appointed agency can quote that company's policies.

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.

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