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Getting homeowners insurance doesn’t need to be stressful. Compare rates by city and carrier below.Get Free Quotes
Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. A home insurance policy protects your dwelling, personal property, and other buildings against an array of circumstances, including theft, fire, vandalism, or wind damage.
Unlike auto insurance, home insurance isn't priced based on state-level legislation. Even so, large gulfs exist in home insurance costs on a state-by-state basis. Home insurance costs in states may differ depending on the value of — and frequency of — home insurance claims filed in that particular state, and depend on the value of the belongings and home insured on the policy.
The best way to find an affordable homeowners insurance policy in North Dakota is to compare rates from as many insurance companies as possible. Learn home insurance rates in North Dakota via the below data. Individual rates may vary depending on coverage options and the value of the dwelling being insured.
Home insurance prices in North Dakota can vary depending on which insurance company you use. AAA underwrites the most affordable homeowners insurance in North Dakota, at only $1,154 yearly. This compares favorably to the state's average price of $2,128, offering a $974 price cut on rates typical to the state.
Start looking for cheap homeowners insurance by reviewing the most affordable North Dakota insurance companies, listed below.
|Carrier||Average Annual Rate in North Dakota|
Home insurance rates in North Dakota vary depending on the city. Rates depend on locally specific variables such as the number of claims filed in the immediate area, meaning your ZIP code could have a major impact on how much you pay.
The cheapest home insurance rates in North Dakota are available in Grand Forks. A typical homeowners insurance term in Grand Forks totals just $1,864 per year — $264 less than the average North Dakota rate. The below cities have the most affordable homeowners insurance in North Dakota.
|City||Average Annual Home Insurance Rate|
|Grand Forks AFB||$1,910.80|
If you're looking for savings, consider holding your car and homeowners policies with the same insurance company. Bundling auto and homeowners insurance in North Dakota can save you a substantial sum each month on car insurance. Bundling policies in North Dakota may generate average annual savings of $168.
|Avg. Annual Auto Insurance Rate (No Bundle)||Avg. Annual Auto Insurance Rate (Bundle)||Annual Bundle Savings||Bundle Savings %|
A great way to save is to bundle your auto and homeowners insurance policies. Compare rates 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.