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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.
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.
|Company||Average 12-Month Rate in North Dakota|
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.
|City||Average Annual Home Insurance Rate|
|Grand Forks AFB||$1,911|
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.
|Coverage Level||Average Annual Premium|
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.
|Deductible Level||Average Annual Homeowners Insurance Rate|
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.
|Avg. Annual Auto Insurance Rate (No Bundle)||Avg. 12-Month Auto Insurance Rate (Bundle)||Annual Bundle Savings||% Savings with Bundle|
You can save money on insurance by bundling your home and auto policies. Start shopping today!
No state has a legal mandate that requires homeowners insurance, but your mortgage lender will require it when you purchase a home.
Yes - GEICO offers homeowners insurance in North Dakota.