FAQS.ASP FAQs & Figures

Fire Sprinklers Save Lives and Property
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NFSA, Minnesota Chapter Office  •  Phone: 651-603-8827

FAQs & Figures


Fact #1:  The Minnesota Department of Commerce states that 60 insurance companies carry homeowners insurance in Minnesota.

Fact #2:  The first four companies on the list below carry 60% of those policies.


The list below show the insurance company discounts for homes with fire sprinkler systems and any special requirements.

Insurance Company Discount
Allstate Insurance 10 - 15% 15% with smoke detectors, fire extinguisher and deadbolt locks.
American Family 10% Grouped with home and fire security systems.
Farmers Insurance Group 10% Depending on other safety features.
State Farm Insurance 10 - 14% Depending on other safety features such as smoke alarms and security system.
AAA Minnesota/Iowa 3% System must be certified as complete.
Allied Insurance About $50 per year No percentage offered.
General Caualty 5% Must be certified as complete system.
Hartford Insurance
  (NFSA linked as fire safety resource)
13% Full system including attics, attached structures and bathrooms.


8% Partial system excluding areas listed above
Prudential/Liberty Mutual 12% With complete safety package.
Links include Home Fire Sprinkler Coalition.
Safeco 10 - 15% Depending on other safety devices.
Travelers Insurance   Depends on credit rating and age of home.
West Bend Mutual 8% System must be certified as complete.