Home insurance in North Dakota
North Dakota Home Insurance
See illustrative home insurance costs in North Dakota, which carriers write here, and how to lower your premium.
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Quick answer
Illustrative home insurance in North Dakota is about $1,260 per year (~$105/mo) for a typical home. Cost is driven by local weather risk, rebuild costs, and claims trends. Compare quotes for your exact address.
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Estimated rates for illustration only — not a quote.
Home insurance companies in North Dakota
These carriers generally write homeowners coverage in North Dakota (sorted by illustrative national cost). Availability can vary by ZIP code and home type.
| Company | Illustrative / yr | Best for |
|---|---|---|
| USAA | $1,680 | Military members, veterans, and their families. |
| Auto-Owners | $1,700 | Homeowners who want a highly rated regional insurer via an agent. |
| State Farm | $1,750 | Bundling home and auto with a local agent. |
| Travelers | $1,770 | Homeowners who want an established insurer and bundling. |
| Nationwide | $1,790 | Homeowners who want brand-new-belongings and bundling. |
| Allstate | $1,820 | Homeowners who want optional add-ons and rewards. |
| Farmers | $1,850 | Homeowners who prefer an agent to tailor coverage. |
| Liberty Mutual | $1,880 | Homeowners who want highly customizable coverage. |
Estimated rates for illustration only — not a quote.
How to save on home insurance in North Dakota
Bundle your North Dakota auto and home policies, raise your deductible, and add storm-mitigation features where they qualify for discounts. Compare carriers by company and view other states.
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North Dakota home insurance FAQs
How much is home insurance in North Dakota?
Illustrative home insurance in North Dakota averages about $1,260 per year (roughly $105/mo) for a typical single-family home. Your rate depends on your home’s rebuild cost, roof, location, and claims history. Compare quotes for a real price.
What are the best home insurance companies in North Dakota?
Carriers that generally write in North Dakota include USAA, Auto-Owners, State Farm, Travelers, among others. The best one for you depends on your home and priorities, so compare at least three.
Is home insurance required in North Dakota?
North Dakota does not legally require home insurance, but any mortgage lender will require it. Even without a mortgage, coverage protects your largest asset from fire, storms, and liability.
How can I lower my home insurance in North Dakota?
Raise your deductible, bundle with auto, add security and storm-mitigation features, keep your roof in good shape, and compare carriers each renewal.
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