Home Insurance in Blaine, MN

Protect your home from common risks with home insurance in Blaine, MN.
Compare, shop and customize quotes from top-rated insurance carriers.

Gateway to Minneapolis

Located within the suburban catchment area of Minneapolis, Blaine, MN, is an attractive suburb for those looking to settle down. It has excellent schools and ample recreational activities, both indoors and out. The city is home to the National Sports Center, providing exciting opportunities to experience mature sports, as well as Minnesota's only PGA Tour golf facility.

According to U.S. Census Bureau estimates. Blain has 24,568 households with 71,739 people who call the city home. More than 85% of homes are owner-occupied, showing remarkable stability and investment in the community. Let VIU by HUB show you how home insurance in Blaine, MN, can protect your investment.

Best Places ranks Blaine and the greater Twin Cities region as among the best places for seniors and for retirement living. Summer weather is moderate, with highs in the low 80s during July (the hottest month). That makes Blaine an excellent option for individuals hoping to minimize risks associated with warmer global temperatures. However, you'll want to prepare for cold winters, with the average January temperature dropping to a chilly 14 degrees.

Protecting Your Blaine, MN, House

Thousands of people enjoy living in Blaine, but the city is not without risks. For example, extremely cold weather can bring frozen pipes and heavy snow loads on roofs. Proximity to a major city also tends to bring slightly higher property crimes. Homeowner's insurance is an excellent way to protect your house from these and other risks. '

Home Coverage Options

When choosing home insurance in Blaine, MN, you want to ensure you have the coverage you need for the losses you are most likely to face. Many policies cover all losses except those explicitly excluded; however, others only cover listed events. It's a good idea to read any documents carefully and ask questions before purchasing coverage.

The most common components of a typical homeowner's policy are liability insurance, dwelling and additional structure coverage, and personal property protection. You should understand the role each one plays in protecting your home and finances.

Liability insurance pays for costs associated with someone who becomes injured or incurs property damage on your property through your negligence. Some examples of the types of expenses it helps with include lawyer fees, legal settlements and medical bills. Most policies also contain a medical payments provision that covers minor medical costs regardless of responsibility.

Dwelling and additional structures coverage pays to repair damage to your home and outbuildings, respectively, after a covered loss. Many policies include full replacement value coverage to pay to rebuild your home if it is uninhabitable, such as after a fire. Similarly, personal property protection pays for repairs or replacement of physical items within the house, such as appliances, electronics or clothing.

Cost of Blaine Home Insurance

The average price of a home policy in Blaine with $250,000 in dwelling coverage is $2,869.00. which is more than $1,000 higher than state averages. However, costs can vary depending on more than location. For example, installing a connected home device may provide a discount on your policy. Maintaining good credit and limiting home claims will also help keep insurance costs down.

Ultimately, you must choose coverages based on your personal situation. Discuss your needs and budget with a VIU by HUB agent to find the right home insurance in Blaine, MN.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


City of Blaine


Climate Data

Life in Minnesota


Risk Factor

U.S. Census Bureau


Home insurance in Minnesota by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.