Personal Insurance in Minnesota
Auto, home, and more—coverage tailored to your lifestyle.
At City Insurance, we help Minnesota families protect the things that matter most. From your car and home to seasonal toys like boats, motorcycles, and snowmobiles, our independent agency shops top carriers to get you reliable coverage at a fair price.
Personal Insurance Options
Umbrella Insurance
Extra liability protection that kicks in when a big claim goes over your auto or home limits. Smart, affordable peace of mind.
Home & Renters Insurance
Protect your property—whether you own a home (HO3), condo (HO6), or rent an apartment (HO4). We make sure your coverage actually matches your needs.
Toys & Seasonal Vehicles
Motorcycles, snowmobiles, boats, ATVs, RVs—City Insurance helps Minnesotans insure their fun. Seasonal/storage options available with many carriers.
Auto Insurance
Drive with confidence. We compare Minnesota auto insurance rates across multiple carriers, offering liability, collision, comprehensive, and more.
Why Choose City Insurance?
Independent & Local – Minnesota insurance experts who know state rules, weather risks, and carrier discounts.
One Stop for Everything – Auto, home, renters, condo, umbrella, motorcycles, snowmobiles, boats, RVs, ATVs.
Better Rates – We shop multiple carriers to fit your budget without cutting the coverage you need.
Personal Insurance FAQ
Yes. The state requires every driver to carry minimum auto liability coverage. Most people choose higher limits and add extra protection like collision and comprehensive.
Absolutely. Many companies give their biggest discounts when you bundle your auto and home (or renters/condo) together.
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HO3 – Standard homeowners insurance for a single-family home (stand-alone house). No shared property or association fees.
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HO6 – Condo or townhome insurance. Covers the inside of your unit, your belongings, and your share of the building through Loss Assessment coverage.
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HO4 – Renters insurance. Protects your personal belongings and provides liability coverage when you rent a home or apartment.
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Umbrella insurance adds extra liability protection. If a big claim goes over your auto or home limits, umbrella kicks in. It’s an affordable way to protect your savings.
Yes. Home and auto policies don’t automatically cover toys. You’ll need a separate policy, but we can bundle them with your auto/home for discounts.
Most toy policies run year-round, but some companies offer storage/“lay-up” options to lower the premium when you’re not using them.
Because we’re not tied to one company. We shop multiple insurance carriers to find you the right coverage at the best price.
At least once a year—or anytime you buy a car, move, remodel your home, or pick up a new toy like a boat or ATV.