North Dakota Homeowners Insurance

North Dakota homeowners insurance rates average at $808/yr or $67/mo. In order to get the best home insurance coverage possible in North Dakota, take a good look at your policy options and increase your coverage where it would be appropriate to do so. Homeowners insurance can cover dwellings, personal property, other structures on the property, and more. Enter your ZIP code below to compare North Dakota home insurance companies for free.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 2, 2021

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$808 is the North Dakota average cost of home insurance premiums. This covers you for the primary sections of your policy and for the perils named in the policy.

To get the best insurance deal, you should understand those parts and perils, and increase your coverage where it would appropriate to do so.

  1. Dwelling
    The structure where the family lives is the dwelling covered in your insurance policy. The dwelling can be for actual cost value or full replacement cost. Actual cash value will pay you the original value of the dwelling minus depreciation, and full replacement value will repair your home to its original condition regardless of the cost of doing so.
  2. Other Structures
    Any building on your insured property that is not permanently connected to the dwelling is considered an “other” structure. Other structures could include a guest house, a dog house, a pump house, or even such things as a privacy fence or a boat dock.
  3. Personal Property
    Personal property is anything you own that is not part of the dwelling or an “other” structure. Personal property includes sports equipment, furniture, dishes, appliances, electronics and anything else that you would pack up and take with you if you left the home tomorrow.
  4. Loss of Use
    Another important part of your policy is the section for loss of use. If any portion of the home is damaged by a covered peril, save your receipts and turn them in to the insurance company to file a loss of use claim and get your money back.

Average North Dakota Homeowner Insurance Rates vs. US

Source: USCB

Cheaper North Dakota Home Insurance

Getting cheaper home insurance does not have to mean that you are reducing your coverage. Without changing your coverage options at all, you can do things to bring the price of insurance down, both on your annual premiums and over the course of the lifetime of the home. Your home is an asset, and treating like an important investment looks good to insurance companies, because they are in the business of protecting financial futures and want to see their customers taking interest in the same thing.

  • Home Security
    In North Dakota, 2.92 out of every 1000 homes is burglarized, which makes it important to reduce the risks faced by yours. Installing a home security system is the method preferred by insurance companies, but they will also give you discounts for putting up a fence around the perimeter, installing deadbolt locks and even having security bars put in the windows.
  • Reduce Insurance Risks
    Pool owners can make their home safer by putting up a fence around the pool complete with a locking gate. And a locking gate on the entrance to a dock is also a good way to reduce your liability exposure. Everything you do to make your home safer is a potential insurance discount just waiting for you to take advantage of it.
  • Credit Score and Insurance Risk
    the average North Dakota credit score is around 715, but to save money on home insurance, a credit score of 650 is really all you need. And once you have a solid credit score like that, you need to monitor it regularly to make sure someone else does not try to take advantage of your good name.

Home Characteristics Affecting North Dakota Insurance Rates

Older homes are more likely to suffer from a variety of problems that insurance companies have to consider when issuing an insurance policy. Plumbing may be built out of materials that break as the home settles, for instance. And there have been a number of safety regulation and devices developed over the years to make residential electric service safer. Without these safety features, you may have to pay higher premiums to make up for the added risk insurers face.

Local Natural Disasters North Dakota Homeowners Should Consider Protecting Against

Understanding the dangers faced by your home can help you protect it better. For instance, not all home owners have to worry about hurricanes or earthquakes, but flooding is a potential threat no matter where you live. Here is a quick breakdown of common natural perils and how likely they are in North Dakota.

  • Earthquakes
    Ranked at 49 out of 51, which makes it one of the least likely places to have an earthquake. Because of this, you probably won’t need to buy earthquake coverage at all.
  • Flood
    North Dakota residents filed 368 claims in 2009, which is not a big number, but it should still give you pause for thought. Floods are not included in a home insurance policy and must be purchased separately. Even if the chance of a flood is small, the cost of flood insurance is much lower than paying to replace your home out of pocket.
  • Hail
    Hail occurs throughout the country, and can range from annoying to severely damaging. Hail damage, however, is considered wind damage and is included in most home insurance policies. Check your policy to find out whether hail has been specifically excluded, and if it has, purchase the coverage as a policy add-on.
  • Hurricanes
    Hurricanes are not a threat in North Dakota, but severe winter storms can produce the same types of damage. Damages from wind are covered in a standard policy, but flooding is not, and flooding can be a potential threat after any major storm with heavy rains.
  • Tornadoes
    North Dakota has around 46 tornadoes in an average year, which is a low number compared to other states. As long as tornadoes are not specifically excluded in your policy, everything is fine. If they are excluded, you may need to pick up a rider policy to fully protect your home.
  • Wildfires
    Around 74,749 wildfires occur nationwide each year, and some of those could happen in North Dakota. Fire, like wind damage, is part of the standard policy, but you should make sure that wildfire has not been listed as an exclusion, just to be safe.

North Dakota Homeowners Insurance Optional Coverages

Home insurance needs to be reinforced by picking up some extra personal property and personal injury liability coverage in most cases. Personal injury insurance is part of your home coverage, but only up to a few thousand dollars, usually far less than the value of a family’s possessions. To remedy that, increase your limits. Similarly, the personal injury liability coverage on your home is better off when it is backed up by an umbrella liability plan that gives you enough coverage to weather even a high-powered injury lawsuit.

Important Contact Information

North Dakota Department of Insurance
State Capitol, fifth floor
600 E. Boulevard Ave.
Bismarck, ND 58505-0320
Phone: (800) 247-0560

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