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.

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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StateDwelling coverage (rebuild cost)Deductible

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.

Last updated: July 1, 2026

North Dakota home insurance FAQs

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.

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