Best North Dakota homeowners insurance

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In North Dakota, roughly 62.5% of residents own their homes, which is slightly lower than the national average homeownership rate of 63.9%. The median property value was $198,700 in 2018, a figure that has been increasing in recent years.

Homeowners in North Dakota should protect their investment with the right homeowners insurance policy. Fortunately, many high-ranking home insurance companies sell policies in North Dakota’s rural and urban areas.

The best home insurance companies in North Dakota

To find the best homeowners insurance in North Dakota, we started by looking at J.D. Power’s 2020 U.S. Home Insurance Study. We identified providers that sell coverage in North Dakota and evaluated each one based on policy options, discounts, customer service, online tools and financial strength.

Company J.D. Power AM Best
Country Financial 855/1,000 (#1) A+
Amica 853/1,000 (#2) A+
Auto-owners 843/1,000 (#3) A++
State Farm 829/1,000 (#7) A++
MetLife 824/1,000 (#9) A+

Country Financial

In J.D. Power’s Home Insurance Study, Country Financial earned first place for customer satisfaction. The company also has excellent financial strength, with an A+ rating from AM Best. Country Financial’s impressive reviews, coupled with its unique coverage options, make it a good choice for any North Dakota homeowner.

When it comes to coverage, Country Financial offers the basics plus a variety of unique options. There are three packages available—basic coverage, premier coverage and combined coverage. The premier coverage package includes protection for paint spillage and countertop burns, while the combined coverage provides basic coverage for belongings and premier coverage for the home. Country Financial also offers extended replacement cost and guaranteed replacement cost coverage.


Amica took second place in J.D. Power’s Home Insurance Study, but it consistently appears near the top of the list. Customers are drawn to Amica’s affordable rates, coverage options, discounts and customer service. Plus, Amica offers dividend policies, allowing customers to recoup a portion of their premium each year.

North Dakota homeowners looking for customizable coverages should consider Amica. The company’s Platinum Choice® Home package includes dwelling and personal property replacement coverage, water backup/sump pump overflow coverage, computer coverage, credit card coverage, business property coverage, loss assessment and valuable items coverage.

Auto-Owners Insurance

Auto-Owners is a great option for North Dakota homeowners who prefer to work with a live agent to purchase insurance and manage their policy. Auto-Owners does not offer online quotes or claims, but the company is known for having top tier customer service.

Auto-Owner’s home insurance coverages are fairly basic, but there are a handful of add-on coverage options. We were more impressed by the number of unique discounts available. Customers can save money by having a backup generator, having an automatic water shut-off system, being mortgage-free and getting an insurance quote in advance.

State Farm

For those shopping for home insurance for the first time, State Farm has tools and resources to help. On State Farm’s website, home insurance calculators and how-to guides help customers determine how much coverage is needed and the available policies.

Overall, State Farm’s home insurance coverage is fairly basic. There are only a handful of options for endorsements, so it is not the best option for homeowners who want comprehensive coverage. Additionally, State Farm only offers a few discounts. Policyholders can save money by bundling their policies, having a security system and having an impact-resistant roof.


MetLife is best known for its life insurance policies, but the company also sells property insurance in North Dakota. However, the online tools are limited and it’s necessary to contact an agent to get a quote or learn more about a policy.

However, MetLife may be a good option for homeowners looking for full replacement cost coverage for their home and personal belongings. MetLife’s home insurance policies include high coverage limits, with the option to add specific endorsements for targeted protection. Also, every MetLife home insurance policy includes free identity theft protection coverage.

Average homeowners insurance cost in North Dakota

In North Dakota, the average homeowners insurance premium is $2,601 per year, which is 13% higher than the national average premium of $2,305.

Every homeowner pays a different rate for their insurance, however. Factors like ZIP code, age, credit score, claims history, marital status and home condition are considered when your rate is calculated.

Coverage options in North Dakota

Homeowners in North Dakota receive several different coverages with a standard home insurance policy. Most North Dakota home insurance policies typically include coverage for:

  • Dwelling: Dwelling coverage protects the home’s physical structure plus attached structures, like a garage or porch.
  • Personal property: Personal property coverage protects personal belongings, like furniture, clothing and electronics, if they get damaged or stolen.
  • Liability: Liability coverage pays legal fees stemming from a bodily injury or property damage claim.
  • Medical payments: If a guest gets injured at the home, medical payment coverage will pay for their medical costs, regardless of who was at fault.
  • Loss of use: If the home gets damaged and becomes uninhabitable, loss of use coverage will pay for a hotel, food, laundry and parking fees while it gets repaired.

Common causes of home insurance losses in North Dakota

North Dakota experiences extreme weather like tornadoes, windstorms, flooding and hailstorms, which can damage homes. In 2019, 15 tornadoes caused damage across the state. Major thunderstorms and hail storms often occur in the warmer months when cold fronts travel across the Canadian border.

Windstorms, hailstorms and tornadoes are covered by homeowners insurance in most cases. However, flood damage is not covered under insurance. To get flood protection, you need to purchase a separate flood insurance policy. Most insurance companies sell flood insurance through the National Flood Insurance Program (NFIP), and many offer additional endorsements for a higher premium.

Frequently asked questions

Is home insurance required in North Dakota?

Home insurance is not legally required in North Dakota. However, most mortgage lenders require homeowners to purchase insurance before their loan is approved. Even without a mortgage, buying home insurance is one of the best investments you can make.

How do I get home insurance in North Dakota?

To purchase home insurance in North Dakota, review our recommended providers or do some research. Find companies that offer the type of coverage needed and pay close attention to discounts. Then, get sample quotes from several providers to compare rates. Some insurance companies offer instant online quotes. Choose the company that offers the best coverages and discounts at the lowest rate. These companies offer some great options for home insurance.