Directory · Minnesota · Homeowners

Who writes homeowners in Minnesota

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

State Farm Group wrote the most homeowners in Minnesota in 2025, $1.26B and 27.4% of the state's premium; the top five groups hold 63%. Minnesota's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the Minnesota page.

By Sam Alishahi, independent insurance broker · All lines in Minnesota

Top 10 · NAIC table: 04 - Homeowners Multiple Peril

The insurer groups that write the most homeowners in Minnesota

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#	Insurer group	Premium written	Share	Loss ratio	Member companies here
1	State Farm Group	$1.26B	27.39%	47%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
2	American Family Insurance Group	$696.2M	15.11%	29%	American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
3	Auto Owners Group	$419.7M	9.11%	41%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
4	Farmers Insurance Group	$320.3M	6.95%	34%	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
5	Liberty Mutual Group	$224.5M	4.87%	44%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
6	United Serv Automobile Assn Group	$212.7M	4.62%	49%	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
7	Allstate Insurance Group	$199.0M	4.32%	48%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
8	Travelers Group	$180.5M	3.92%	43%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
9	Automobile Club Mi Group	$110.2M	2.39%	34%	Auto Club Insurance Association, The Members Ins Co, Auto Club Group Insurance Company, Universal Insurance Company
10	Nationwide Corporation Group	$90.1M	1.96%	36%	Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company

Turned down?

Last resort for homeowners in Minnesota

Last resort	Lines	Where	How to get in
Property FAIR Plans	dwelling fire, homeowners, commercial property	CA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FL	Each state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optional	Source
Surplus lines and Lloyd's open market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Source: the Minnesota insurance regulator company list, read 2026-10-18 and the surplus lines list. Minnesota Dept. of Commerce 'Insurance Supplement' financial summaries. admitted = every licensed Property and Casualty insurer (Domestic + Foreign and Alien), data year 2023, 921 rows (PDF total 921); P&C only (life/health insurers are a separate PDF, not included), so type is 'Property and Casualty' for all rows. No NAIC codes, no lines of authority and no license dates in the source: match by name + domicile. Rows with a status instead of financials (e.g. Liquidation) keep it in 'status'. surplus_lines = 'Eligible Property and Casualty Insurers, Surplus Lines--Foreign' (154) and '--Aliens' (21), data year 2021 (no 2023 edition published); these are the surplus lines insurers that reported Minnesota business, not an official eligibility roster (Commerce keeps none; Minn. Stat. 60A.206). Alien domicile codes are the PDF's own 2-letter country codes (UK, GE, IR, BU, BB, IT ...). The same PDF's accredited reinsurers (13) and registered risk retention groups (90) are excluded from surplus_lines. Source footer: unaudited, may contain inadvertent errors. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

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