Public records, plain English
Your insurance bill went up. Find out what your insurer actually filed.
Minnesota insurers file their homeowners and auto rate changes with the state, the NAIC publishes every company's complaint record, and the Department of Commerce publishes every enforcement action against agents and insurers. We put those public records one search away, free, with sources on every line.
Lookups are anonymous and never stored.
The rate-increase tracker
30 recent Minnesota homeowners and auto rate filings, by carrier, with the requested percentage change and effective dates. A filing is a request, not a bill, and we say so on every page.
Track the filingsCheck your insurer
The NAIC complaint index shows whether a company draws more or fewer complaints than its share of the market says it should, explained in plain English, next to any Minnesota enforcement history.
Look up a companyCheck your agent
4,075 Commerce insurance enforcement records searchable by name, each linking the Department's own order document, plus steps to verify any producer license on the state's own lookup.
Search the recordNon-renewed, or premium up 30 percent?
You are not alone: after the hail years, Minnesota homeowners statewide are seeing non-renewals and steep renewal increases. Our plain-English guide explains why it is happening, what your options are, and how shopping actually works, including what an independent agent can do that a captive agent cannot.
Read the guideWhat this site is, and what it is not
MN Insurance Buddy is an independent educational resource built by a Minnesota attorney. It is not a government agency, an insurance company, an insurance agency, or a law firm, and nothing on this site is legal or insurance advice about your situation. We hold no insurance producer license.
MN Insurance Buddy does not sell, solicit, negotiate, recommend, or bind insurance. We do not quote premiums or recommend coverage amounts. If you request help, your information may be sent to a participating licensed insurance producer or marketplace. Participating agents or marketplaces may pay to receive inquiries.
Enforcement data last checked 7/8/2026; rate-filing data last checked 7/8/2026.