Educational notes for homeowners. Not an insurer, not an agent, and not advice about your policy.
CHUBB · MN · 2026
Why did my Chubb home insurance go up in Minnesota?
A Chubb renewal in Minnesota is two documents: the company’s offer, and Minnesota’s rule for how much warning a non-renewal must give. The clock we re-read is 60 days, with a specific reason, and a right to appeal. The 2022 HO-3 average here was $1,774. That is not your premium.
MINNESOTA NOTICE
60 days, with a specific reason, and a right to appeal
Minn. Stat. § 65A.29
An insurer may not refuse to renew, reduce limits, or eliminate a coverage in a homeowners policy unless it mails or delivers notice to the insured at the policy address at least 60 days in advance. The notice must give the specific underwriting or other reason, the insurer’s name, and the date the notice is issued. The statute also lets the insured appeal a nonrenewal to the commissioner. If the commissioner finds the nonrenewal unjustified, arbitrary, or capricious, the commissioner orders the insurer to renew, and the policy continues in force while that appeal is pending. The notice has to tell the insured about the appeal. Read the section for the cancellation grounds and the first-59-days window, which are separate from nonrenewal.
Needs verificationNo Chubb rate order, exit, or moratorium specific to Minnesota was confirmed in this review. Search SERFF and the Minnesota Department of Commerce filing search. The absence of a row here is not an absence of a filing.
Nonrenewals14.2 per 1,000 policies in 2024, up from 5.5 in 2022
Nominal average premium per policy in 2024 was $1,476. Inflation-adjusted change since 2018: Inside the report’s inflation-adjusted range of 18.3% to 43.3%. A separate Midwest percentage is not stated in the summary prose..
Public rate filings are posted in SERFF Filing Access when a state participates. Search the company and the homeowners line. A filing is a request until the regulator acts on it. Unless a row above cites a regulator or company release, this review did not download that company’s SERFF PDF. [26]
If the admitted market will not take the house
Minnesota FAIR plan. PIPSO counted 4,160 Minnesota habitational policies in fiscal year 2024. The plan name and perils need verification. [22]
Find three dates: the date the notice was mailed, the date the policy expires, and the date the company says coverage ends.
Read the reason. “Underwriting reasons,” with nothing under it, is not an explanation you can appeal or fix.
Decide which letter you have. A nonrenewal, a mid-term cancellation, and a renewal that cuts coverage or raises the price are different notices, and states time them differently.
Keep paying the current policy until a new one is bound. A gap can put a mortgage into force-placed insurance, which protects the lender first.
Ask the company, in writing, for the declarations page, the replacement-cost estimate, and which rating factors changed.
If a mortgage company is on the policy, tell them you are replacing coverage before the old policy ends.
Shop admitted insurers. If you cannot find one, use the residual-market note on your state page. A FAIR plan or Citizens policy is often narrower than the policy you had.
Compare deductibles before you accept a lower premium. A percentage hurricane or wind deductible is a share of the dwelling limit, not a flat $1,000.
If the notice looks late or states no real reason, complain to the state insurance department and keep the envelope or the electronic-delivery record.
Ask about a mitigation credit only where the company will put the discount in writing: a new roof, opening protection, or defensible space, depending on the peril.
Why did my Chubb home insurance go up in Minnesota?
Start with two different things: a Minnesota rate change for Chubb, and a change in your own house (replacement cost, roof, claims, deductible, or coverage). The 2022 HO-3 average in Minnesota was $1,774. It is not your premium and it is not a 2026 price. Any Chubb percentage confirmed for this state is in the filings section. If that section says needs verification, nobody on this page has read a Minnesota order for this company. [22][26]
What is the non-renewal notice rule for Chubb in Minnesota?
Chubb has to follow Minnesota law, not a company timetable. 60 days, with a specific reason, and a right to appeal. An insurer may not refuse to renew, reduce limits, or eliminate a coverage in a homeowners policy unless it mails or delivers notice to the insured at the policy address at least 60 days in advance. The notice must give the specific underwriting or other reason, the insurer’s name, and the date the notice is issued. The statute also lets the insured appeal a nonrenewal to the commissioner. If the commissioner finds the nonrenewal unjustified, arbitrary, or capricious, the commissioner orders the insurer to renew, and the policy continues in force while that appeal is pending. The notice has to tell the insured about the appeal. Read the section for the cancellation grounds and the first-59-days window, which are separate from nonrenewal. [15]
What should I do in 2026 if Chubb nonrenews me in Minnesota?
Count the days on the notice against the Minnesota rule on this page, ask Chubb in writing for the reason and the rating worksheet, and do not drop the current policy until replacement coverage is bound. If you cannot find an admitted policy, read the residual-market note for Minnesota FAIR plan. Complaints go to Minnesota Department of Commerce. [27][22]
Sources reviewed 2026-10-14
Open the document. The sentence above is only as current as that reading.