Homeowners Insurance in West Fargo, ND

Experts explore the best coverage, companies, and more in West Fargo, ND.

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for TrustedChoice.com on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Large luxury home exterior on bright sunny day with blue sky. West Fargo, North Dakota Homeowners Insurance.

In West Fargo, North Dakota there are roughly 39,500 residents and growing. Homeowners insurance is necessary for every property owner in this town. The right coverage can mean the difference between a claim being paid or not.

Fortunately, a West Fargo, North Dakota independent insurance agent will review your policy for free. They'll shop around local, highly rated markets so that you're getting the best protection for an affordable price. Consult with a local professional to get started today.

What Is Homeowners Insurance?

West Fargo, North Dakota homeowners insurance helps cover your household exposures to avoid out-of-pocket expenses. This policy protects property damage and liability claims that arise. Your home coverage must be reviewed by a professional for accuracy.

What Does Homeowners Insurance Cover in West Fargo, North Dakota?

Homeowners insurance in West Fargo, North Dakota will be customized to your specific needs. However, primary coverages are included under most home policies. Below are the limits you will find on home insurance:

  • Dwelling limit: Pays for replacing or repairing your home when a covered claim occurs.
  • Personal liability: Pays for bodily injury, property damage, and libel or slander claims against a household member.
  • Additional living expenses: Pays for your temporary stay at another property when a claim renders your home unlivable. 
  • Personal property: Pays for the replacement or repair of your personal belongings.
  • Medical payments: Pays for the first $1,000 - $10,000 of a medical expense when a third party gets injured on your property.

Many homeowners don't know that their home policy doesn't provide coverage for flooding until it's too late. A separate flood insurance policy is necessary to avoid any extra expenses. Quotes can be obtained through FEMA-approved carriers.

Common Disasters Homeowners Insurance Covers in West Fargo, North Dakota

Fortunately, your West Fargo, North Dakota homeowners insurance comes standard with coverage for major disasters. Common catastrophes covered are as follows:

  • Wind
  • Hail
  • Fire
  • Lightning
  • Theft and vandalism
  • Severe storms

West Fargo's weather-related statistics:

The number of natural disasters in West Fargo: 32

Major presidentially declared disasters in West Fargo: 26

Emergencies declared in West Fargo: 4

The top three disaster types in West Fargo:

Floods: 27 declared as a disaster

Storms: 12 declared as a disaster

Snows: 4 declared as a disaster

How Much Does Homeowners Insurance Cost in West Fargo, North Dakota?

Premiums for your West Fargo, North Dakota homeowners policy depend on your risk factors. Below are some items insurance companies use to determine your rates:

  • How close you are to a fire hydrant
  • How new your house is
  • Your credit score
  • If you have a pool, trampoline, or pet
  • Where you live
  • How close you are to a fire department
  • The square footage of your home
  • The cost to replace your home
  • How many claims you've filed
  • The materials of your home

Cheap Homeowners Insurance Near Me

To find cheap home insurance in West Fargo, ND, you'll need to know what saves you the most on coverage. First, check out the average homeowners insurance premiums in the state and country:

The average home insurance premium:

  • National annual average: $1,211
  • North Dakota annual average: $1,253

If you bundle your home and auto policies with the same carrier, you'll save 30% or more. Another way to lower costs is having no prior claims and good credit. Safety features on your home, like a central station burglar alarm system, can also help reduce your premiums. 

What Are the Best Homeowners Insurance Companies in West Fargo, North Dakota?

There are numerous choices when you're looking for exceptional home coverage at a fair price. The below carriers are among the best homeowners insurance companies in West Fargo, North Dakota:

Best Homeowners Insurance Companies In West Fargo, ND Star Rating
5 star rating
5 star rating
4.5/5 star rating

These companies are highly rated due to their excellent customer service and broad coverage offerings for homeowners. Quotes through these carriers and others like them will ensure that you get the best protection for your household. 

How a Local Agent Can Help Find Homeowners Insurance in West Fargo, North Dakota

When it comes to finding homeowners insurance that is accurate and specific to your needs, you don't have to spend a fortune. Several policy options can allow you to afford the best coverage for your household. A free way to save on home insurance is by using a local adviser.

A West Fargo, North Dakota independent insurance agent can reduce your costs by shopping through highly rated markets. They review, compare, and present you with the most competitive options for home protection. Get connected with a trusted expert to start saving in minutes. 

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