Popular Questions about Homeowners Insurance in North Dakota

The annual average home insurance rate in North Dakota is $1,253, which is slightly more expensive than the national amount of $1,211 per year. To get the lowest costs on home protection, obtain tailored quotes from an adviser for free.

Each North Dakota home insurance policy will come with the following standard limits to protect against fire, theft, vandalism, and natural disaster:

  • Dwelling value
  • Other structures
  • Personal property
  • Personal liability
  • Medical payments
  • Additional living expenses

In North Dakota, you're not required by law to carry homeowners insurance. However, if you have a mortgage or lienholder on your home, they will mandate proof of coverage to obtain a loan. Since North Dakota had $203.8 million paid in home claims in one year alone, the proper protection is necessary to avoid serious financial loss.

Your North Dakota homeowners insurance rates are calculated by carriers using the following information:

  • Replacement cost of home
  • Coverages selected
  • Past claims reported
  • Local crime rates

In North Dakota, you can work with multiple carriers, but some stand out above the rest. State Auto, Safeco, and Nationwide insurance companies come highly rated in North Dakota. This is due to their quick claims service and broad coverage selection. To find the best market for your situation, consult with a licensed professional for free.

Yes, North Dakota has 43 independent insurance agencies to work with for homeowners coverage. They'll compare your policy through dozens of markets to get the best rates in town. Plus, an independent insurance agent is free to work with, making it a no-brainer.

Do You Know What Your North Dakota Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAvg. home valueBurglaries / 1,000 ResidentsAnnual insurance cost
Bismarck$274,2773.40$1,381
Devils Lake$168,0363.83$1,002
Dickinson$272,8521.49$1,163
Fargo$256,1475.56$1,349
Grafton$165,9084.74$1,035
Grand Forks$269,2933.75$1,293
Jamestown$168,1004.81$1,165
Lincoln$282,4670.76$1,224
Mandan$228,0824.62$1,271
Minot$253,2694.36$1,288
Valley City$164,5964.20$1,012
Wahpeton$173,0471.53$1,212
Watford City$278,3971.01$904
West Fargo$279,3042.81$1,330
Williston$210,0513.72$979