Homeowners Insurance Zip Code Reporting Requirements
Summary
The Minnesota Department of Commerce issued Administrative Bulletin 2026-2, superseding all prior communications on zip code reporting under Minn. Stat. §65A.28. Insurers writing homeowner's insurance for properties in the seven-county metropolitan area or cities of the first class (Minneapolis, Saint Paul, Duluth, Rochester) must file annual reports by May 1. The bulletin provides filing instructions, templates, and an attestation form via the department's website.
What changed
This bulletin consolidates and supersedes all prior Minnesota Department of Commerce guidance on zip code reporting under Minn. Stat. §65A.28. It reaffirms the annual May 1 filing deadline for homeowner's insurance reports covering properties in the seven-county metropolitan area (Anoka, Carver, Dakota, Hennepin, Ramsey, Scott, Washington) and cities of the first class. Insurers must report on all zip codes listed in the department's template and submit an attestation form.
Insurers writing homeowner's coverage in affected Minnesota areas should verify whether they have policies in the specified zip codes and prepare annual filings by the May 1 deadline. Those with no policies in the listed zip codes are exempt from submission. The department provides templates and forms through its industry webpage for compliance.
What to do next
- File annual Zip Code report by May 1, 2026 if policies were written in covered areas
- Use the reporting template and attestation form on MN Department of Commerce website
- Email questions to insurance.bulletin@state.mn.us if clarification needed
Source document (simplified)
Administrative Bulletin 2026-2
Date: March 27, 2026 To: All Insurance Companies Writing Homeowner Insurance Subject: Zip Code Reporting
Homeowners Disclosure and Filing Requirements (65A.28)
This Bulletin will supersede all previous Department communications addressing Zip Code Reporting as required by Minn. Stat. §65A.28. This statute requires each insurer writing homeowner's insurance for property located in the seven county metropolitan area or a city of the first class to annually file a report with the commissioner on or before May 1. Metropolitan area is defined in Minn. Stat. §473.121, subd. 2 as the area over which the Metropolitan Council has jurisdiction including only the counties of Anoka; Carver; Dakota excluding the cities of Northfield and Cannon Falls; Hennepin excluding the cities of Hanover and Rockford; Ramsey; Scott excluding the city of New Prague; and Washington. Cities of the First Class as defined by Minn. Stat. §410.01 are Minneapolis, Saint Paul, Duluth, and Rochester. To submit these reports, please follow the instructions on the following web page under the For Industry section of the MN Department of Commerce's website:
- Homeowners Insurance Reporting This page also contains the reporting template and attestation form for these reports. Any questions regarding these reports may be emailed to insurance.bulletin@state.mn.us. If you did not write any policies in any of the zip codes listed on the reporting template, it is not necessary to submit a report. ____________________________ Julia Dreier, Deputy Commissioner
Insurance Division
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