Best Homeowners Insurance in North Dakota

We analyzed data from more than 150 companies to find the cheapest homeowners insurance in North Dakota.

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How to find cheap homeowners insurance in North Dakota

 

Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. A home insurance policy covers your house and property in the event of a number of misfortunes, including fire, theft, vandalism, or wind damage.

Unlike auto insurance, homeowners policies aren’t priced based on state laws. Even so, major discrepancies exist in homeowners insurance rates from state to state. Home insurance costs in a given state diverge based on the number and value of home policy claims submitted in the state, and depend on the value of the belongings and structures covered by the policy.

The easiest way to find a cheap home insurance policy in North Dakota is to view prices from multiple companies. Learn homeowners insurance costs in North Dakota via the below data. Individual rates may vary depending on coverage options.

 
North Dakota home insurance:
  1. Homeowners rates by company
  2. Rates by city
  3. Rates by coverage amount
  4. Rates by deductible amount
  5. How to bundle home and auto insurance
  6. FAQs
 

Home insurance rates in North Dakota by company

Prices for home insurance in North Dakota vary depending on the insurer you select. AAA provides the most affordable home insurance in North Dakota, at just $1,154 each year. This compares favorably to the state average cost of $2,128, offering a $974 discount on average statewide home insurance costs.

Start shopping for a home insurance policy by reviewing the most affordable North Dakota companies, listed below.

 
THE MOST AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN NORTH DAKOTA
CompanyAverage 12-Month Rate in North Dakota
AAA$1,154
Safeco$1,428
North Star$1,467
Farmers Union$1,597
Nodak Mutual$1,704
 

North Dakota home insurance costs by city

Home insurance rates in North Dakota vary by city. Pricing may depend on locally specific variables such as the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest home insurance in North Dakota is found in Grand Forks. A typical home insurance term in Grand Forks costs just $1,864 per year — $264 less than the statewide average. The below cities have the most affordable homeowners insurance in North Dakota.

 
AFFORDABLE HOMEOWNERS INSURANCE BY CITY IN NORTH DAKOTA
CityAverage Annual Home Insurance Rate
Grand Forks$1,864
West Fargo$1,879
Grand Forks AFB$1,911
Bottineau$1,946
Fargo$1,948
 

Average homeowners insurance costs in North Dakota by coverage level

How much you pay for home insurance coverage is greatly affected by the level of coverage you choose. In North Dakota, carrying $100K dwelling coverage costs an average of $996 per year, while carrying additional coverage up to $400K costs $2,641/year.

 
HOMEOWNERS INSURANCE RATES IN NORTH DAKOTA — COMMON COVERAGE AMOUNTS
Coverage LevelAverage Annual Premium
$100,000 Dwelling$996
$200,000 Dwelling$1,611
$250,000 Dwelling$1,853
$400,000 Dwelling$2,641
 

Homeowners insurance deductibles in North Dakota

One of the many decisions to be made when shopping for homeowners policies is the amount of your deductible. The deductible is the total amount that the insured must contribute toward a covered loss. Where you set your deductible can play a significant role in how much you pay for insurance.

When considering your homeowners deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. This means that those looking for lower insurance premiums will want to think about getting a higher deductible. Be mindful of the fact that your deductible should only be as high as you can reasonably pay in the event of a covered loss.

The following table shows the average premium costs associated with deductibles offered by most home insurers.

 
HOME INSURANCE COSTS BY DEDUCTIBLE TIER IN NORTH DAKOTA
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$2,028
$1,000$1,853
$1,500$1,784
$2,000$1,694
$5,000$1,499
 

Save by bundling home and auto insurance in North Dakota

If you're trying to save on insurance, consider purchasing both your car and home insurance policies from one company. A home and car insurance bundle in North Dakota can lead to substantial savings on your auto insurance bill. In fact, bundling policies in North Dakota leads to yearly savings of $168.

 
HOME AND AUTO INSURANCE BUNDLING SAVINGS IN NORTH DAKOTA

Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)

$1,311$1,143$16815%
 

You can save money on insurance by bundling your home and auto policies. Start shopping today!

 
 

North Dakota homeowners insurance FAQs

 

Is homeowners insurance required in North Dakota?

No state has a legal mandate that requires homeowners insurance, but your mortgage lender will require it when you purchase a home.

Does GEICO offer homeowners insurance in North Dakota?

Yes - GEICO offers homeowners insurance in North Dakota.

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.

About The Zebra

The Zebra is not an insurance company. We’re an independent, unbiased partner for consumers, on a mission to help you compare insurance options apples-to-apples, so you can make a truly informed decision. We’re proud because: