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Renters insurance is an optional — but important — product that works to keep your belongings safe in the event your rental property suffers damage from common incidents. A renters policy protects personal items in the event of fire or smoke damage, wind, vandalism, theft, and a collection of other common circumstances.Unlike auto insurance, renters insurance isn't priced specifically by state. Even still, there are sometimes substantial gaps in the cost of renters policies by state. Insurance policy costs in US states differ depending on the number and value of renters insurance claims filed statewide, and depend on the value of the belongings you're covering.
Getting renters insurance in North Dakota is less expensive than the US average. The typical annual renters insurance rate in North Dakota is $117, $67 less expensive than the average across America.
The easiest way to get a cheap renters insurance policy in North Dakota is to compare rates and consider policies from as many insurance companies as possible. Learn renters insurance rates in North Dakota by reviewing the below data. Remember: your rates may differ, depending on your coverage limits and the valuation of your belongings.
Rates for renters insurance in North Dakota differ based on the insurance company you use. Safeco sells the cheapest renters insurance in North Dakota — just $58 yearly. This compares favorably to the state average price of $117, providing a 51% discount on rates typical to the state.
Get a head start on looking for renters insurance by reviewing the most affordable North Dakota insurance companies, listed below.
|Company||Average Annual Rate in North Dakota|
Renters insurance rates in North Dakota vary by city. Policy pricing may depend on city-specific variables like the number of local claims filed, giving your ZIP code weight in deciding how much you pay.
The most affordable renters insurance rates in North Dakota are available in Valley City. The average renters insurance policy in Valley City costs only $115 per year — $48 less than the statewide average. The below cities have the most affordable renters insurance in North Dakota.
|City||Average 12-Month Renters Insurance Rate|
|Grand Forks AFB||$115|
If you're trying to save, consider purchasing both your car and renters insurance policies from one company. A renters and car insurance bundle in North Dakota can lead to substantial savings on car insurance. In fact, bundling policies in North Dakota may generate yearly savings of $102.
|Avg. 12-Month Auto Insurance Rate (No Bundle)||Avg. 12-Month Auto Insurance Rate (Bundle)||Annual Bundle Savings||Bundle Savings %|
One of the best ways to save on auto insurance is bundling. Start shopping today!
Many of the major players in the insurance market offer renters insurance. Just as you would for car insurance, you should shop around as much as possible for the best rate. Consider bundling with your existing car insurance to possibly get a discount.
Although there is no state law that mandates renters insurance in North Dakota, landlords and property management companies generally make it a stipulation before you sign a lease.