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Best homeowners insurance in North Dakota for 2022

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products. Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content. Updated Nov 07, 2022

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Collapse Caret Up The in North Dakota for $250,000 in dwelling coverage is $1,872 per year, higher than the national average cost of $1,383 per year. By researching the best home insurance companies in North Dakota, Bankrate found that Allstate, Auto-Owners, Country Financial and State Farm were among the top companies. Homeowners in North Dakota may want to protect their investment and finances with a comprehensive policy. Fortunately, many highly-rated home insurance companies sell some of the best policies in the state at favorable prices. Collapse

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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We've maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we're putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most - price, customer service, policy features and savings opportunities - so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we're putting accuracy first.

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The in North Dakota for $250,000 in dwelling coverage is $1,872 per year, higher than the national average cost of $1,383 per year. By researching the best home insurance companies in North Dakota, Bankrate found that Allstate, Auto-Owners, Country Financial and State Farm were among the top companies. Homeowners in North Dakota may want to protect their investment and finances with a comprehensive policy. Fortunately, many highly-rated home insurance companies sell some of the best policies in the state at favorable prices. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage

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Return to form The in North Dakota for $250,000 in dwelling coverage is $1,872 per year, higher than the national average cost of $1,383 per year. By researching the best home insurance companies in North Dakota, Bankrate found that Allstate, Auto-Owners, Country Financial and State Farm were among the top companies. Homeowners in North Dakota may want to protect their investment and finances with a comprehensive policy. Fortunately, many highly-rated home insurance companies sell some of the best policies in the state at favorable prices. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage

Leaving so soon Your custom quotes are just minutes away

Return to form The in North Dakota for $250,000 in dwelling coverage is $1,872 per year, higher than the national average cost of $1,383 per year. By researching the best home insurance companies in North Dakota, Bankrate found that Allstate, Auto-Owners, Country Financial and State Farm were among the top companies. Homeowners in North Dakota may want to protect their investment and finances with a comprehensive policy. Fortunately, many highly-rated home insurance companies sell some of the best policies in the state at favorable prices. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage

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How Bankrate chose the best home insurance companies in North Dakota

To find the in North Dakota, Bankrate's insurance editorial team used Quadrant Information Services to obtain 2022 premium information. We also reviewed 2021 U.S. Home Insurance Study, which ranked companies based on customer satisfaction. The providers included as the best home insurance companies in North Dakota were selected based on average premiums, policy options, discounts, customer service scores and financial strength ratings. These factors were used to calculate a Bankrate Score for each carrier, with five points being the highest score. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $250,000 Coverage B, Other Structures: $25,000 Coverage C, Personal Property: $125,000 Coverage D, Loss of Use: $50,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best home insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for homeowners, we analyzed quoted premiums based on 40-year-old male and female homeowners with a home policy with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which homeowners may compare each provider.

Best home insurance companies in North Dakota

Our thorough research found that some of the best homeowners insurance companies in North Dakota are Allstate, Auto-Owners, Country Financial and State Farm. North Dakota homeowners may want to consider getting quotes from these carriers when assessing home insurance companies. Home insurance company Bankrate Score Average annual premium* J.D. Power Score 3.9 $1,781 829/1,000 4.3 $1,776 831/1,000 4.2 $1,472 830/1,000 4.7 $2,358 835/1,000 *Rates are for annual policies with $250,000 in dwelling coverage This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage

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Allstate

Allstate receives solid third-party agency ratings, with an A+ (Superior) financial strength rating from AM Best and an above-industry-average rating from J.D. Power in the 2021 study for overall customer satisfaction. Allstate's home insurance policies can be customized with a number of endorsements, including identity theft coverage, yard and garden coverage and musical instruments coverage. Allstate also offers plenty of opportunities to save with robust discount options, such as discounts for bundling your home and auto insurance, purchasing a homeowners policy in advance and buying a newly built home. Allstate's home insurance premium for North Dakota homeowners is lower than the state's average, at $1,781 per year, but the company earned the lowest Bankrate Score on our list, at 3.9 out of 5 points.

Auto-Owners

Auto-Owners does not offer online quotes or claims but sells its policies through independent agents. However, the company received a high ranking from J.D. Power for overall customer satisfaction, indicating that its customers have historically had a positive experience with Auto-Owners service. Auto-Owners offers a handful of add-on to customize your home insurance, like Guaranteed home replacement coverage, equipment breakdown coverage and water backup coverage.

Country Financial

Country Financial offers the standard homeowners insurance coverage you expect, plus unique options to expand your financial protection. The company offers three coverage levels to help you tailor your policy to your needs. You may also be able to add identity theft coverage, water backup coverage and earthquake coverage if you want additional protection. Country Financial also offers several discounts to policyholders, even though its average annual premium in North Dakota is the cheapest on our best home insurance companies list and is well below the state's average annual premium. These factors combined earn Country Financial a 4.2 Bankrate Score.

State Farm

If you are shopping for home insurance for the first time, State Farm has numerous tools and resources to help. On State Farm's website, home insurance calculators and how-to guides help customers determine the coverage they need and which policy options might be best for them. Overall, State Farm's home insurance coverage is fairly basic, with only a handful of endorsements to customize your policy. However, this home insurer ranked fourth in the J.D. Power Home Insurance Study for customer satisfaction and has the highest Bankrate Score in North Dakota of 4.7 points.

How much is homeowners insurance in North Dakota

In North Dakota, the average cost of homeowners insurance is $1,872 per year for a policy with $250,000 in dwelling coverage, much higher than the national average premium of $1,383 per year for the same coverage amount. North Dakota homeowners pay just a few dollars less than neighboring Minnesota homeowners, who pay on average $1,880 per year. And they enjoy much than South Dakota homeowners, who pay an average of $2,035 per year. On the other hand, Montana residents pay less than North Dakota homeowners, averaging $1,752 annually. Home insurance premiums are determined by using several rating factors. Your ZIP code, credit score, claims history, marital status and home details are considered rating factors for home insurance rates in North Dakota. North Dakota’s higher-than-average insurance premiums could be partly due to the state’s common causes of loss.

Home insurance in North Dakota

In North Dakota, residents may have to contend with fierce winters that can damage homes, as well as extreme weather events, like tornadoes and floods. To ensure your home is financially protected, you may find certain coverage add-ons help you to be prepared for common losses in North Dakota.

Common causes of loss in North Dakota

North Dakota experiences severe weather like tornadoes, windstorms, flooding and hailstorms, which can damage homes and leave you severely financially compromised. In 2021, the state saw its and more than 2.5 times the number of wildfires it normally experiences, with 2,442 burning over 125,000 acres of land. Although 2021 was an anomaly, major thunderstorms and hail storms often occur in the warmer months, and floods are relatively common in some areas. Common causes of loss in North Dakota include: Windstorms: can cause damage to your roof, siding, soffits, gutters and any other exposed areas of your home. It can also blow loose items into your house, further damaging your home. Most homeowners insurance policies cover wind damage, but you may want to confirm the coverage and deductible with your agent or insurance company to know for sure. Extreme weather and storms: Like many parts of the country, North Dakota experiences severe thunderstorms, hail and tornadic activity during certain parts of the year. Just like wind damage, these perils are often covered under your homeowners insurance policy but confirming that with your agent can be beneficial. : Eastern North Dakota is at particularly high risk for flooding compared to the rest of the state, although flood events have been reported in all of the state's counties. Flood damage is not typically covered by homeowners insurance. To get flood protection, you must purchase a separate . You can purchase through the National Flood Insurance Program (NFIP) and a private insurance carrier offering the coverage. Winter weather: North Dakota sees snowfall in the winter and the state averages several days below freezing temperatures. Heavy snowfall can lead to water damage, and temperatures below freezing may cause pipes to freeze and burst. Your insurance agent can likely help you assess the specific risks for your area so that you can choose your homeowners insurance coverages wisely.

Home insurance coverage options in North Dakota

Homeowners in North Dakota can purchase a standard home insurance policy with common coverage types, like dwelling, personal property, liability, medical payments and loss of use. Most North Dakota home insurance policies offer optional and coverage you can use to tailor your policy to your specific needs, such as: : This coverage offers protection if something occurs to cause a clog or backup in your sewer or drains, or one of your pipes bursts and causes water or sewage damage. It also provides coverage if your sump pump stops working and the water flows into your basement or lower level. Inflation protection: This endorsement helps your coverage limits keep up with inflation. At each renewal, your dwelling coverage automatically increases. This helps protect you if you have a substantial claim that could potentially go above your original coverage limit. Personal property replacement coverage: Without this endorsement, your home policy would pay depreciated value for your damaged personal property. By adding this optional coverage, you can replace damaged or destroyed items with new items at current market value. North Dakota homeowners may also want to consider flood insurance. Confirming how your policy covers wind, hail and water damage could also be worthwhile since severe weather is common.

Frequently asked questions

Home insurance is not legally required in North Dakota or any other state. However, most mortgage lenders require homeowners insurance as a loan requirement. If you do not have a mortgage or other kind of home loan, you may be able to go without home insurance, but you could potentially be open to great financial risk. Consider the cost to repair or rebuild your home if it is damaged or destroyed, and plan accordingly. Homeowners insurance could protect you from financial devastation and is often an important part of your financial plan.

To purchase home insurance in North Dakota, you will want to determine what you need from your policy. Once you know what you are looking for, you can research companies that offer the type of coverage you need and request . If you are not sure what kind of coverage to purchase, you can talk to a licensed agent who can help guide you through the process.

Older homes can be harder to insure, especially if they have significant wear and tear or outdated materials. The older the home is, the harder it can be to source matching materials to rebuild, which can make the cost to repair greater. The more outdated the home is with wiring, plumbing, roofing and other factors, the more risk it is for filing a claim; it could take more to get the home up to code if a claim is filed. Many insurers have eligibility restrictions related to these factors, which may make older homes harder to insure and may be more costly. Written by Mandy Sleight Insurance Contributor Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products. Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content.