Homeowners Insurance in Williston, ND

Experts break down homeowners insurance costs, coverage, companies, and more in Williston, 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.

All wood facade with many rocks and stones surrounding the home. Williston, North Dakota Homeowners Insurance.

There are approximately 29,000 residents in Williston, North Dakota. When you own a property in this mid-sized city, you'll need proper protection for all the what-ifs. Many disasters could wreak havoc on your household, and the right coverage is necessary to avoid financial loss.

Fortunately, a Williston, North Dakota independent insurance agent will review your policy for free to get the best outcome. They will also do the shopping at zero cost, making it easy. Consider working with a local adviser today.

What Is Homeowners Insurance?

Williston, North Dakota homeowners insurance helps reduce your exposure and transfers your risk to the insurance company. It pays for claims that arise out of property damage or liability losses. The right home policy for your unique situation should be reviewed to forego major financial losses.

What Does Homeowners Insurance Cover in Williston, North Dakota?

Certain primary coverages are automatically included under your Williston, North Dakota homeowners policy. These limits of protection will be customized to your specifications and are as follows:

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

A separate flood insurance policy must be purchased to cover any flooding. Each home is at risk for flood damage no matter what flood zone you are in. Flood insurance is not always required, so talk to your independent insurance agent about coverage.

Common Disasters Homeowners Insurance Covers in Williston, North Dakota

Numerous catastrophes could occur in your area. Fortunately, your Williston, North Dakota home policy provides coverage for the following disasters:

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

Williston's weather-related statistics:

The number of natural disasters in Williston: 15

Major presidentially declared disasters in Williston: 12

Emergencies declared in Williston: 2

Let's look at the top three causes in Williston:

Floods: 9 declared as a disaster

Storms: 6 declared as a disaster

Snows: 3 declared as a disaster

How Much Does Homeowners Insurance Cost in Williston, North Dakota?

Homeowners insurance costs will be different for every household. You'll need to get custom quotes for individual pricing. Here are some of the top items carriers look for when rating your home insurance coverage:

  • The materials of your home
  • The square footage of your home
  • 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
  • How close you are to a fire hydrant
  • How many claims you've filed
  • The cost to replace your home

Cheap Homeowners Insurance Near Me

When purchasing homeowners insurance in Williston, North Dakota, price matters. However, you won't have to sacrifice coverage for low costs when you are proactive. First, check out the averages below:

The average home insurance premium:

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

One way to cut costs is by bundling your policies with the same insurance company, giving you an average savings of 30% or more. A good credit score and updated safety features mean more savings in your pocket. If you have not reported any past claims, you'll get another discount on coverage.

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

The right home coverage requires an exceptional carrier. In Williston, North Dakota, there are several insurance companies you could go with, but the highest rated are below:

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

These companies are great due to their customer care and custom coverage offerings. If you're looking for homeowners insurance, then check these carriers out.

How a Local Agent Can Help Find Homeowners Insurance In Williston, North Dakota

Homeowners insurance doesn't have to break the bank. Coverage can be sufficient and competitively priced when you work with a trusted adviser. There are several carriers and limits, meaning home insurance can be confusing.

Fortunately, a Williston, North Dakota independent insurance agent shops your policies through highly rated companies. They present the best option at the lowest price, so you're fully covered. Get coverage through a local expert and save today. 

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