North Dakota Homeowners Insurance

Getting homeowners insurance doesn’t need to be stressful. Compare rates by city and carrier below.

How to find inexpensive homeowners insurance in North Dakota


Homeowners insurance may be optional, but it's important. It helps to protect your belongings in the event your house is damaged. A home insurance policy covers your dwelling, attached buildings, and personal property against an array of misfortunes, such as wind damage, fire, theft, vandalism, and others.

Major differences exist in home insurance costs from state to state. Homeowners costs by state diverge based on the value of — and frequency of — home policy claims lodged in the state, and depend on the value of the belongings and dwelling you're insuring.

The easiest way to acquire an affordable homeowners insurance policy in North Dakota is to view prices from as many insurance companies as you can. Learn home insurance rates in North Dakota by reviewing the below data. Remember: your home insurance rates will vary, depending on your coverage limits.


North Dakota home insurance:
  1. Rates by company
  2. By city
  3. Bundling

Homeowners insurance rates in North Dakota by company

Prices for home insurance in North Dakota can vary depending on the insurance company you choose. AAA provides the cheapest home insurance policies in North Dakota, at just $1,154 yearly. This compares favorably to North Dakota's average rate of $2,128, offering a $974 discount on average statewide homeowners insurance costs.

Begin the hunt for a homeowners insurance policy by reviewing the most affordable North Dakota carriers, listed below.


AFFORDABLE HOME INSURANCE COMPANIES IN NORTH DAKOTA
InsurerAverage 12-Month Rate in North Dakota
AAA$1,154.29
Safeco$1,427.71
North Star$1,466.91
Farmers Union$1,597.46
Nodak Mutual$1,703.83

North Dakota home insurance prices by city

Home insurance rates in North Dakota vary by city. Prices depend on local variables such as the number of claims filed nearby, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest homeowners 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 state average. The below table shows the best places to live in North Dakota if you’re looking for cheap homeowners insurance.


AFFORDABLE CITIES FOR HOME INSURANCE IN NORTH DAKOTA
CityAverage Annual Home Insurance Rate
Grand Forks$1,863.74
West Fargo$1,878.83
Grand Forks AFB$1,910.80
Bottineau$1,945.67
Fargo$1,947.78

How to bundle home and auto insurance in North Dakota

If you want to save on home insurance, consider purchasing both your home and auto insurance policies from one company. Bundling auto and homeowners insurance in North Dakota can lead to substantial savings on auto insurance. In fact, bundling policies in North Dakota may generate average annual savings of $168.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN NORTH DAKOTA
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,311.00$1,143.00$168.0015%

Bundling home and auto policies is a great way to save. Compare rates today!


Find affordable insurance today!