Minnesota
Home, auto and health coverage notes for people in Minnesota, with the Minnesota Department of Commerce as the regulator.
The insurance posts, sorted by who they are written for.
Minnesota auto midterm cancellation after the first 59 days is limited to listed grounds, with 30 days' notice or 10 days for nonpayment. Homeowners nonrenewal requires at least 60 days' notice.
Minnesota auto minimums are $30,000/$60,000/$10,000 liability plus $40,000 in required no-fault PIP ($20,000 medical and $20,000 other economic-loss benefits).
Buy Minnesota flood coverage for a home as a separate policy, usually with a 30-day NFIP wait. Comprehensive auto coverage is the official place to look for hail, deer, and many non-collision vehicle losses.
Start with the insurer, then file with Minnesota Commerce at 651-539-1600, or 800-657-3602 in Greater Minnesota, or through the official online complaint form.
The Minnesota FAIR Plan is the residual property market under sections 65A.31 to 65A.42. Homeowner cancellation and nonrenewal notices must mention the possibility of FAIR Plan coverage.
Minnesota requires both UM and UIM of $25,000/$50,000, on top of required PIP. Comprehensive policies must offer complete safety-glass coverage with no deductible.
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