The insurance world is known for its tricky sales tactics and murky contracts, but that doesn’t mean you can’t find a good deal with a reputable provider — it just takes a little research. The best way to navigate this purchase is to learn a little about how insurance works, find out exactly what you need, and shop around to get a competitive rate. In the following guide, we’ll teach you how to do exactly that.

We researched the top homeowners insurance companies in North Dakota, with an eye out for sterling financial standing, affordability, depth of coverage, and honest agents. We’ve found several companies that made the grade.

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The Best Homeowners Insurance in North Dakota

Freshome’s Recommendations: Amica, State Farm, Liberty Mutual, Allstate, Travelers, American Family, Chubb, GEICO

To get the best deal on home insurance, it’s smart to gather quotes from multiple providers. Most companies will have easy-to-use quote tools on their websites, where you can get a customized quote in just about 10 minutes. If you dedicate an hour to applying for quotes, you’ll have a good assortment to choose from, and you should be able to find a deal or two in the bunch.

Most of your quotes will be close in price, but beware of outliers in either direction. You don’t want to overpay, but you should also question any insurer whose policy is significantly cheaper than the others. There could be hidden gaps in coverage that could leave you vulnerable in the event of a disaster.

Our Quotes
Amica $1,112 Per Year
Liberty Mutual $1,306 Per Year
State Farm $2,756 Per Year

When you’ve selected a few agencies with fair prices and good reputations, give them a call to refine your quote online. Ask about anything your policy doesn’t cover, and how much insurance they recommend purchasing. You should also get a feel for their customer service. If you ever need to file a claim, you’ll want to trust the folks helping you recoup expenses.

We applied for a few sample quotes from trusted providers that serve North Dakota or work with affiliate offices in state. We asked for $220,000 worth of dwelling coverage for a single-family home on a small property in Bismarck. As you can see, there was a wide range of prices on the market. Take these numbers with a grain of salt, since every company looks at different variables when determining your individual rate. You might find a great deal with our most expensive provider, or vice versa.

What You Should Know Before Getting a Quote

How do rates compare in North Dakota?

Life in North Dakota isn’t like anywhere else in the country. After all, they’re called the great plains, not the average plains. But homeowners insurance rates in North Dakota are exactly that — average. Residents of the state pay about $1,078, while the national average is just a few bucks more, at $1,096.

What should I prepare?

You’ll be surprised just how many details you’ll need when applying for home insurance. And you might not know all of the answers offhand. Questions get as specific as, “What are your roof shingles made of?” and “When was the last time your plumbing was updated?”, so you might not know every single answer. Grab a copy of your house’s listing sheet, which should have most of the information you need. And if there’s anything you aren’t sure of, it’s okay to guess when you’re getting a quote. Just make sure you revise all of your answers before any paperwork is signed. You don’t want to have your insurance claim denied down the road on a technicality.

Is a low deductible worth the cost?

A great way to save money on your annual insurance premium is to choose a plan with a high deductible. You’ll owe more out of pocket if you ever need to file a claim, but your annual savings will help recoup that cost. Since insurance should only be used in the event of major damage to your home, it’s unlikely you’ll be filing claims with any regularity. Plus, your insurance provider can raise your rates and cancel your coverage if you file too many claims, so a low deductible will rarely come in handy.

Just make sure that the deductible you choose is an amount you’ll be able to afford in the event of an emergency. If paying several thousand dollars in cash is out of the question, you may need to choose a plan with a lower deductible, despite higher monthly or yearly rates.

Will my credit score affect how much I pay?

Your credit score has a major impact on many of your purchases — especially those that relate to buying a home. And your homeowners insurance is no exception. While a few states have outlawed the practice of hiking insurance rates for customers without perfect credit ratings, North Dakota is, unfortunately, not among them.

“Why does your credit history affect your homeowner premiums? Along with various factors like your home’s age, insurers in most states also consider your ‘credit-based insurance score.’ Like a traditional credit score, which is used to determine whether you’re likely to repay your debts, an insurance score is based on the information in your credit report — but the data may be weighted differently, and it’s used to help predict the likelihood that you’ll file a claim in the future. The lower the score, the higher the risk you’ll file a claim for a loss — and the more you should pay, insurers say.” – The New York Times

If your credit score drops from “Excellent” to “Fair,” you’ll end up paying approximately 35 percent more for your home insurance policy. That’s about $400 more per year. So keep an eye on your credit score and make sure it’s in great shape when it’s time to buy.

What else does my homeowners insurance policy cover?

Homeowners insurance covers more than just your house and property. Lose your wedding ring to a rogue wave on vacation? If it’s specifically called out in your policy, it’s covered. Need to stay in a hotel for a month while your house is being repaired? You’ll be covered. The perks don’t end there.

“Standard homeowners’ policies also cover some types of personal liability — if the mail carrier, for example, trips over your kid’s skateboard or gets clawed by your cat, your policy will pay for the carrier’s medical expenses and other losses, up to a certain limit. In fact, the damage doesn’t have to have occurred at your home. If your kid rides the skateboard through the neighbor’s fresh new cement path, or the cat shreds their screen door, those damages should also be covered. Unlike hazard insurance, this portion isn’t required by your lender — but is a good idea, since you don’t want to lose your house to pay someone’s medical bills.” –

We recommend reviewing all of your additional coverage with your insurance provider. You can always raise or lower the amount of liability protection included. And taking inventory of valuables like jewelry, fine art, and rugs is a smart move. You’ll need a record of what was damaged or missing if you ever file a claim.

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What kind of policy should I look for?

There are several types of insurance policies out there, but most providers will default to HO3, which is exactly what you should be looking for. An HO3 policy covers every scenario except for a few exemptions that are specifically called out. Other types of policies will only cover what’s listed, leaving you vulnerable to many types of damage and loss you couldn’t have fathomed.

When purchasing insurance, you want to make sure there are no surprises, and an HO3 plan is the best way to ensure you’re prepared. Always confirm your policy type with an agent on the phone or in person. If a price looks too good to be true, it could be a plan that offers fewer protections.

How much insurance do I need?

If, like most Americans, you’re buying a home with the help of a mortgage, your bank will require you to secure home insurance for at least the amount of your loan. But that’s probably not quite enough. If you don’t have enough insurance to rebuild your entire house should disaster strike, your insurer can withhold portions of smaller claims, too. For example, if your house is worth $200,000, but you only have insurance for $100,000, your insurance provider will only pay 50 percent of any claim you make.

It’s smart to buy insurance for slightly more than your home is worth. If you have a smaller house on a large property, you might need a little less, since your property is likely less vulnerable to damage than your home. An insurance agent can help you determine that magic number.

What are some common gaps in home insurance coverage?

If you have valuables in your home that aren’t specifically listed in your policy, your insurer could refuse to cover them. That’s why taking a home inventory is so important. The Insurance Information Institute has a great free tool you can use.

Don’t confuse your home insurance with your home warranty. They cover completely different things, so if you don’t have both, you could be left shouldering the cost of a builder’s (or previous owner’s) mistake. For clarification on what home warranties cover, check out this article.

There are several gaps in coverage that relate to water in your home. More specifically, water that comes from the ground-up. While damage from a storm is typically covered, water backup in your pipes is an additional add-on. And flooding is almost never covered.

How do I get flood insurance?

Floods are relatively common in North Dakota, but unfortunately, damage from flooding is not included in your homeowners insurance policy. To get covered, you’ll have to purchase separate flood insurance from the government. This may be required in certain areas, and a smart (if not necessary) idea in others, so talk to your real estate agent about how much coverage you need.

What can I do to lower my premium?

Depending on who you decide to insure your home with, there will be a varied list of things that may get you a discount or push your premium even higher. Though these might not be true for every single insurance provider, here are some general things to keep in mind.

First, things that might raise your premium:

  • Family pets
  • Swimming pool
  • Trampoline
  • Playground/yard equipment
  • Smoking
  • Prior claims on your home insurance
  • Low credit score

And a few tips that might get you a better rate:

  • Deadbolt locks
  • Smoke detectors
  • Burglar alarm
  • Fire extinguishers
  • Indoor sprinkler system
  • LEED certified construction
  • Bundling home insurance with auto/other insurance

Your insurer should be upfront with any discounts you’re eligible for, so if you’re not sure, just ask.

Take Action

By reading this guide, you’ve already taken an important first step in shopping for homeowners insurance. Hopefully you can walk away with a better understanding of how home insurance can help you, where it can leave you vulnerable, and what you can do to be in control of your premium and your protection. As a knowledgeable consumer, you’re ready to start the relatively painless process of buying home insurance in North Dakota. Go ahead and dive in by getting a few rates from trusted insurance providers.

Freshome’s Recommendations: Amica, State Farm, Liberty Mutual, Allstate, Travelers, American Family, Chubb, GEICO

Compare Homeowners Insurance Rates

To quickly find and compare rates in your area, enter your ZIP code below.

Enter Your ZIP Code: