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Best Homeowners Insurance Agencies in Duluth, MN

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Duluth Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

434-B North 57th Avenue West, Duluth, MN 55807 Rating

Review Sources

4.8 (6)

Why choose this provider?

Benes Insurance ~a Strong Company is an agency that provides business and personal insurance, and even HR services to clients in Duluth. The insurance company has more than 40 years of experience and is licensed in Minnesota and Wisconsin. Its home insurance policy will protect the home in the event of misfortune. Additionally, it will cover the costs for rebuilding or construction of the home. It will also provide coverage for disasters such as fire, lightning, hail, and theft.

  • Multiple Policy Types

230 West Superior Street, Duluth, MN 55802 Rating

Review Sources

5.0 (18)
5.0 (7)

Why choose this provider?

Great Lakes Insurance Agency, Inc., provides personal lines and commercial insurance solutions for clients in Duluth and the neighboring areas since 1998. The agents help homeowners protect their property against a variety of perils and losses by finding the right insurance policy that suits the client's priorities. The coverages of the policy may include damages due to fire, smoke, lightning, hail, and wind. Other perils that may be included in the policy are falling objects, explosions, theft, and vandalism.

  • Renter's Insurance
  • Condos

325 South Lake Avenue, Duluth, MN 55802 Rating

Review Sources

4.4 (9)

Why choose this provider?

J3 Insurance is an independent insurance agency in Duluth that has been specializing in home, business, auto, life, and health insurance since 2005. With access to numerous insurance companies, the professionals at this agency can give advice and homeowners' insurance coverage options that meet the clients' requirements. The policy coverage may include guaranteed replacement cost, sewer/water backup coverage, and equipment breakdown. This agency partners with carriers such as Auto-Owners Insurance, ASI, and EMC Insurance.

  • Condos
  • Renter's Insurance
  • Multiple Policy Types

413 South 20th Avenue East, Duluth, MN 55812 Rating

Review Sources

5.0 (1)

Why choose this provider?

Duluth Insurance Agency is a business providing individuals and families in the metro with homeowners' insurance plans. The independent insurance firm helps clients by designing an insurance program that fits their goals and needs. It also partners with several companies that offer a wide range of coverage options. Its team of professionals has more than 25 years of experience in the insurance industry. Its other insurance products include health, life, flood, disability, and commercial insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Benes Insurance ~a Strong Company
434-B North 57th Avenue West, Duluth, MN 55807
Great Lakes Insurance Agency, Inc.
230 West Superior Street, Duluth, MN 55802
J3 Insurance
325 South Lake Avenue, Duluth, MN 55802
Duluth Insurance Agency
413 South 20th Avenue East, Duluth, MN 55812


  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What types of water-induced damages are typically addressed by homeowners insurance in Duluth?

    For homeowners in Duluth, their insurance typically addresses water-induced damages like rain and sewer mishaps, excluding those caused by floods. When a Duluth home undergoes water-related issues, the policy can assist in restoration or item replacement. If one needs to relocate temporarily, the policy covers associated costs. However, securing protection against flood damages demands enrolling in a separate policy via the National Flood Insurance Program.

  • Is fire insurance essential for Duluth homeowners, given the area's low-fire risk?

    Fire insurance remains crucial for homeowners even in low-fire-risk areas like Duluth. It acts as a buffer, providing compensation for unintended fire damage to properties. Commonly, fire insurance is integrated into standard homeowners policies. However, based on the homeowner's location and policy details, the depth of coverage might differ. A transparent and exhaustive policy ensures greater protection during calamities.

  • What factors influence the cost of a homeowners insurance policy in Duluth?

    For Duluth residents, the price of their homeowners insurance largely relies on the limits they set; opting for higher than recommended limits might influence the cost. The specific options homeowners select also play a role since each coverage component has its price. The chosen deductible, like a $500 one, means the homeowner bears the first $500 of a covered loss, which can affect premium rates.

  • What is the process for filing a homeowners insurance claim in Duluth?

    To file a home insurance claim, Duluth homeowners should promptly alert their insurance provider. It's vital to document the damage with photos and list affected items. Values, supported by receipts if possible, should be determined. An insurer's adjuster then assesses the situation. It's essential for homeowners to discuss damages with them meticulously. For a just settlement, obtaining several repair estimates is recommended. After the agreement, the homeowner receives compensation to start repairs.

  • What should Duluth residents do if their homeowners insurance claim is rejected?

    When a homeowners insurance claim in Duluth is rejected, it's crucial to first scrutinize the policy terms. Understand which perils are covered and verify if the loss reason isn't explicitly excluded. If disagreements arise about the claim settlement, seek the specific policy wording in dispute. Should policy interpretations differ, requesting a written denial explanation highlighting the exact policy section in contention is recommended.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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