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2026
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Our goal is to connect people with the best local professionals. We scored Saint Paul 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.
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Need help contacting a Homeowners Insurance Agency in Saint Paul? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.
Chad Babcock offers State Farm’s homeowners’ insurance policies to property owners in Highland Park and its environs. He also provides life insurance, commercial lines insurance, and policies for vehicles and rented properties. He is supported by a team of agents and account representatives who extend their services from an office in Saint Paul. Chad, who has been with State Farm since 2002, is a licensed agent in Minnesota and Wisconsin. He is certified as a Chartered Financial Consultant and also handles mutual funds and annuities.
Located in Saint Paul, Krog Insurance is a family-owned business founded in 1986. Its line of products includes home, renters', and condo insurance. Additionally, it crafts small business, life, boat, car, and flood insurance policies. The company was formed by Jon Krog, Sr., and is now owned and managed by his son Jon, who joined it in 2006 to offer insurance products and services from a variety of insurance carriers.
In business since 2009, Rising Star Insurance Brokers is a Saint Paul, Minnesota-based agency assisting clients with home insurance policies that cover structures, belongings, liability, and expenses related to the loss of use. It assists clients in shopping for rates and advises them on special coverage areas that may be essential to their lifestyle, such as scheduled property coverage for someone with an extensive art collection. Rising Star Insurance Brokers also offers extensive auto insurance services.
WIN Insurance Agency Inc. has been serving residents of Minnesota and Wisconsin for more than 40 years. Homeowners living in St. Paul can rely on the company to provide comprehensive, affordable home insurance policies that are carried by nationally known companies such as Progressive, The Hartford, and Liberty Mutual. In addition to home insurance, the company offers auto, life, and business policies. WIN Insurance Agency is a Better Business Bureau accredited business and a Trusted Choice independent insurance agent.
Champion Insurance Services Inc. is an independent business that caters to clients in Saint Paul and the surrounding areas. It offers a variety of personal insurance plans that protect homes and properties. It also provides auto, flood, classic car, recreational vehicle, delivery truck, and taxi cab insurance solutions. Its team customizes commercial insurance packages. Champion Insurance Services has partnered with several insurance carriers, such as The Hartford, American National, Progressive, Safeco, and Foremost Insurance Group.
Christopher Kisch is a homeowners insurance agent with State Farm serving clients in Saint Paul. He is the owner of Christopher Kisch Ins Agcy Inc, which consists of four other team members, and they have a combined insurance experience of over 75 years. The company specializes in home, auto, business, renters, and life insurance. Christopher is dedicated to listening to client's needs while providing a simple and fun experience. He earned his designation as a Chartered Life Underwriter and enjoys flying remote control airplanes in his free time.
Onyx Insurance Brokers is a Blaine-based independent insurance agency that caters to clients in Saint Paul. It offers homeowners insurance policies from over 25 different carriers, such as Nationwide and Berkshire Hathaway. The agency helps first-time applicants process their enrollment to other home coverage plans. Its agents can also review existing plans to recommend additional coverage, like premises liability or flooding repairs. Aside from homeowners' insurance, Onyx provides other residential insurance for cars and motorcycles. It also has commercial auto and property insurance plans.
Minneapolis St. Paul Agency is a private independent company that serves personal and business clients in Saint Paul and surrounding areas. It offers homeowners insurance policies to help clients protect their properties. It assists clients in understanding the coverage of insurance policies and how coverage amounts are calculated. It also intervenes between the clients and insurance companies when the claim process gets complicated. This firm considers protecting the clients' life's work as its mission and has been in the industry for over 40 years.
Established in 1960, Kelliher & Associates, Inc., is a family-operated company serving the insurance needs of clients in Saint Paul. The team offers homeowners' insurance policies that cover dwellings, unattached structures, personal belongings, personal liabilities, and additional living expenses. It also furnishes insurance coverages for automobiles, healthcare, individual life, and businesses. Founder William J. Kelliher kept his children involved in the business operations, and in 1991, his son David became the president of the company. It partners with brands, such as Progressive and MetLife.
Located in Eagan, Minnesota, First Class Insurance Brokers is an independent insurance agency serving the Saint Paul metro area since 2017. Its home insurance product is one of many forms of insurance it offers its personal and business clients. The agency works with many national carriers, searching their policies for the one that fits their client's needs. Home insurance typically covers the building's structure and contents, as well as liability protection for the owner. The agency can offer additional coverage.
Lakeville Insurance Agency is a family-owned and operated home insurance company that has been serving the residents of Saint Paul, Minnesota, since 1985. As an independent agency, the company works with a variety of providers, including Encompass, Progressive, and Western National Mutual, to offer its clients a multitude of options to fit their needs. Its policies provide coverage for property damage and medical bills in the event of an accident or natural disaster.
AdvisorNet Property and Casualty carries homeowners insurance products and advises clients on purchasing the right policies for their circumstances. It sells coverage for properties and the structures on them and enables clients to customize their policies for special circumstances and valuable personal items, such as pieces of jewelry. Clients can also acquire coverage for personal liability so that they can shield themselves from financial responsibility for any guests hurt on their premises.
Founded in 2013, the McNamara Company is an independent, family-owned insurance agency located in Saint Paul, Minnesota. Home insurance brokers work with over a dozen carriers to help clients identify their risks and find policies that cover the full replacement value of their houses, condos, or manufactured homes and belongings following a loss. The company also offers policies for perils not covered by standard insurance plans, such as flood damage and excess liability.
Timothy Poston is a homeowners insurance agent offering his services to clients in the Saint Paul metro, understanding their financial needs, and helping them come up with solutions. He has been in the industry since 1988 and joined Insurance Brokers of Minnesota, Inc. in 2005, giving him the opportunity to provide his clients more coverage options, market availability choices, and pricing. Backed by the Insurance Brokers of Minnesota, Inc., Timothy offers different homeowner policies, including the most common types such as basic or standard, broad form, special which is also called deluxe or all risk, renters, condo, and older home policies.
McGovern Agency is a full-service and independent insurance business that caters to clients in Saint Paul and the surrounding areas. It crafts homeowners' insurance policies, which provide financial protection against thefts and natural disasters. The policies may cover personal liability, dwellings, alternative living arrangements, and medical payments. The agency has partnered with more than 20 insurance carriers, including The Hartford, Foremost, American Modern, and Berkshire Hathaway. It also offers life, health, business, car, motorcycle, and recreational vehicle insurance options.
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As of 2022, the average annual cost of homeowners' insurance in St. Paul is around $2,698. This figure places St. Paul homeowners at a slightly lower rate compared to the state of Minnesota, where the average cost is approximately $2,735 per year. However, when considering the national average of $2,103 per year for homeowners' insurance, St. Paul residents tend to pay more, with a difference of about $595 above the U.S. average.
To reduce or lower Saint Paul homeowners' insurance costs, consider common discounts like the up to 25% multi-policy discount for bundling homeowners' and auto insurance. Property owners can also qualify for discounts by installing safety devices, having a new roof, being a non-smoker, or maintaining a claims-free record for one to five years. These measures reduce risks and enhance the condition of their property, leading to potential premium savings.
Yes, mobile homes in St. Paul can be covered by homeowners' insurance, typically under an HO-7 policy. These policies are specifically designed for mobile and manufactured homes and offer similar coverages to HO-3 policies, including dwelling protection, other structures coverage, personal property coverage, liability coverage, and potentially loss of use coverage. Note that HO-7 policies typically cover the home when it's stationary. If you intend to move your mobile or manufactured home, a separate transit policy is necessary.
No. Switching homeowners' insurance carriers while using an escrow account in St. Paul generally doesn't cost anything. You can change insurance providers at any time without incurring a fee. Lenders update where they send the collected funds, making the process seamless and cost-free. Make sure that the new policy meets your needs and fulfills your lender's requirements.
If your homeowners' insurance claim is denied, start by reviewing your policy to ensure the loss is within the covered perils and not explicitly excluded. In case of a dispute, request the specific policy language in question. Seek a written explanation if you and the insurer interpret the policy differently. Also, be ready to engage in negotiations to secure a fair resolution if the initial settlement offer falls short of your expectations.

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.