Even though you want to protect your house in the event of a fire or a break-in you still want to get the best deal possible. That's why it's always a good idea to compare low cost homeowner's insurance company prices.
In order to make fair comparisons you need to request a quote from each insurer for the same level and scope of coverage. A standard homeowner's insurance policy in Minnesota will offer protection to a home and its contents in the case of a number of different catastrophes. One exception is flood insurance and folks living in Minnesota need to seek out separate flood insurance coverage if they feel it's warranted.
Once you've gotten a few quotes you can then decide which company is best suited to work with you. Be certain that you understand how they handle the claims process and what would happen your home suffer substantial damage and it becomes unlivable. You do not want to be in that position only to find that the policy you purchased offers no accommodation coverage if you can not live at home.
Any good and respectable homeowner's insurance agent will be patient and helpful when it comes to answering the questions of a prospective client. It's never a good idea to agree to a policy unless you have a full understanding of the exact coverage it offers including all the restrictions. If one insurance agent is more willing to help than another, this may be a good indicator of which company you should deal with.
Remember to notify your insurance agent should your situation change. If you move, or if you make a major improvement to the home such as adding on a deck or sunroom, mention this to your homeowner's insurance company. It likely increases the value of your home which means you'll need extra coverage to protect it.