Bundle & Save: Best Insurance Bundles for Minnesota Homeowners in 2025

Bundle & Save: Best Insurance Bundles for Minnesota Homeowners in 2025

Introduction: Why Smart Minnesota Homeowners Are Bundling in 2025

Are you a Homeowners Insurance in Minnesota looking to cut costs without cutting corners? In 2025, insurance premiums across the state are rising—homeowners are paying 8% more on average than they did just two years ago. The good news? Insurance bundling is your ticket to serious savings.

Bundling home and auto (or other types of insurance) under one provider can save you up to 25% annually, simplify billing, and give you access to exclusive perks. But not all bundles are created equal. This guide will show you the 7 best insurance bundles for Minnesota homeowners in 2025, explain how bundling works, and answer the most frequently asked questions about the process.

Let’s dive in.

Why Bundle Your Insurance Policies?

Before we look at the best bundles, it’s worth asking: Why bundle in the first place? Here’s what bundling offers:

• Major savings: Most providers offer multi-policy discounts of 10% to 25%.

• Simplified billing: One company, one bill, one renewal date.

• Enhanced customer service: Bundled customers often receive priority service and special support teams.

• Custom coverage options: Providers may offer added perks like accident forgiveness or identity theft protection with bundles.

In a state like Minnesota—where both weather-related property claims and auto claims are above the national average—bundling can offer more than just convenience. It can protect your wallet.

 The 7 Best Insurance Bundles for Minnesota Homeowners in 2025

Here are the top-rated providers offering the most valuable bundles this year:

1. State Farm – Best Overall Bundle

• Average savings: Up to 17% on home + auto

• Why it’s great: Exceptional local agent network in MN, strong claims service

• Bonus: Add life insurance or umbrella coverage for deeper discounts

State Farm’s reputation in the Midwest is rock-solid. Their bundling discounts are competitive, and local agents understand Minnesota-specific risks like ice dams, tornadoes, and snow damage.

2. Progressive – Best for Customization

• Average savings: 12–20%

• Why it’s great: “Name Your Price” tool and multiple add-ons

• Bonus: Bundle home, auto, boat, and even pet insurance

Progressive allows you to tailor your bundle in ways other companies don’t. Minnesota homeowners who drive less during long winters can especially benefit from usage-based auto insurance options.

3. Allstate – Best for High-Value Homes

• Average savings: Up to 25%

• Why it’s great: Coverage for luxury homes and high-end items

• Bonus: Deductible rewards and claim-free bonuses

If your home in Edina, Wayzata, or Lake Minnetonka is worth over $500,000, Allstate’s enhanced bundling can protect valuables and provide personalized risk mitigation strategies.

4. American Family Insurance – Best for Local Expertise

• Average savings: 10–23%

• Why it’s great: Strong Minnesota presence, smart home integration

• Bonus: Discounts for smart home devices and paperless billing

With headquarters in the Midwest and a strong presence in Minnesota, American Family understands local risks and often offers home coverage that includes sump pump failure, ice dam water backup, and severe storm damage.

5. GEICO – Best Budget Option

• Average savings: 15–20%

• Why it’s great: Low premiums, easy online bundling

• Bonus: Highly-rated mobile app and customer service

If you’re focused purely on cost, GEICO delivers strong bundling discounts for homeowners, especially when paired with clean driving records.

6. Farmers Insurance – Best for Rural and Farm Properties

• Average savings: Up to 18%

• Why it’s great: Specialized coverage for farms and rural homes

• Bonus: Great for cabins, barns, and seasonal properties

Minnesota’s rural homeowners—especially those in Greater Minnesota—can benefit from Farmers’ flexible bundling for non-traditional properties.

7. Nationwide – Best for Unique Bundle Options

• Average savings: 10–18%

• Why it’s great: Offers rare bundle combos (e.g., home + pet, home + motorcycle)

• Bonus: Optional identity theft protection

Perfect for homeowners who want to bundle more than just the usual auto and home combo.

Frequently Asked Questions (FAQ) About Insurance Bundling in Minnesota

Is bundling insurance always cheaper?

Most of the time, yes. In Minnesota, the average homeowner saves between $340 to $780 per year by bundling. However, always compare individual policy rates and consider what coverage you're giving up. Sometimes standalone providers offer superior individual coverage that might offset bundling discounts.

What types of insurance can be bundled?

The most common bundles are:

• Home + Auto (most savings)

• Home + Life

• Home + Umbrella

• Home + Pet or Renters (in multi-unit properties)

You can even bundle multiple homes or vehicles under one roof with some providers.

Do I need perfect credit to get bundle discounts?

No, but your credit-based insurance score can affect your premium. Minnesota insurers legally use credit as a factor, so bundling won’t completely override a poor score, but it can mitigate some of the cost increases.

What should I watch out for when bundling?

Look out for:

• Limited flexibility: If you want to leave one policy, you might lose all discounts.

• Coverage gaps: Make sure bundling doesn’t come with stripped-down policies.

• Misaligned renewal dates: Ask for co-terminating policies to simplify renewal.

Expert Tips to Maximize Your Bundling Benefits in 2025

Here’s how to squeeze every dollar out of your insurance bundle:

1. Ask about additional discounts: Some providers offer loyalty, multi-car, claims-free, or senior discounts on top of bundle savings.

2. Install smart devices: Get a smart thermostat, smoke detector, or water sensor to qualify for smart home discounts.

3. Increase your deductible: If you can afford it, higher deductibles can drastically lower your premium.

4. Review annually: Shop around once a year to ensure your current bundle is still competitive—especially if your life situation changes.

Conclusion: Bundle Smart, Save Big

Bundling your home insurance with auto or other policies is one of the smartest moves you can make as a Minnesota homeowner in 2025. With rising premiums and unpredictable weather, protection and savings go hand in hand. Whether you're in Minneapolis, Duluth, Rochester, or the Iron Range, there’s a bundle out there that fits your needs—and your budget.

Bottom line? Don’t settle for convenience alone. Shop smart, ask questions, and compare the 7 best bundles listed above to find the ideal fit for your home and lifestyle.