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 average cost of home insurance in North Dakota for $250,000 in dwelling coverage is $1,828 per year.
Homeowners in North Dakota may want to protect their investment with the right homeowners insurance policy. Fortunately, many high-ranking home insurance companies sell policies in North Dakota. Bankrate has analyzed several facets of these companies to determine the best home insurance companies in North Dakota.

The best home insurance companies in North Dakota

To find the best homeowners insurance companies in North Dakota, Bankrate’s editorial team used Quadrant Information Services to acquire current quoted premium information. We also reviewed J.D. Power’s 2020 U.S. Home Insurance Study, which ranked companies based on overall customer satisfaction. The providers that we chose as the best home insurance companies in North Dakota were evaluated based on average premiums, policy options, discounts, customer service scores and financial strength.

Home insurance company Average annual premium for a $250,000 dwelling J.D. Power score
Allstate $1,708 829/1,000
Auto-Owners $1,704 843/1,000
Country Financial $1,441 855/1,000
MetLife $1,615 824/1,000
State Farm $2,653 829/1,000


Allstate receives solid third-party ratings, with an A+ financial strength rating from AM Best and an above-industry-average rating from J.D. Power. 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.

There are also plenty of opportunities to save with Allstate’s robust discount options. Savings include discounts for bundling your home and auto insurance, paying on time and in full, maintaining a claims-free history and buying a newly built home.

Learn more: Allstate Insurance review


Auto-Owners may be 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 and instead 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 are typically satisfied with Auto-Owners service.

Auto-Owners offers a handful of add-on coverage options in addition to the more standard home insurance coverages like dwelling coverage and liability coverage. Guaranteed home replacement coverage, equipment breakdown coverage and water backup coverage are all offered as optional endorsements. There are also several discounts that you may be able to take advantage of.

Learn more: Auto-Owners Insurance review

Country Financial

Country Financial earned the top ranking for overall customer satisfaction from J.D. Power. The company also has an A+ financial strength rating from AM Best, indicating that it is financially sound. Country Financial’s impressive reviews, coupled with its unique coverage options, mean that it could be a good choice for home insurance in North Dakota.

When it comes to coverage, Country Financial offers the basics plus a variety of unique options. The company offers three coverage levels to help you tailor your policy to your needs. You can also add identity theft coverage, water backup coverage and earthquake coverage, if you want additional protections. Country Financial also offers several discounts to policyholders, even though its average annual premium in North Dakota is well below the state’s average annual premium.

Learn more: Country Financial Insurance review


MetLife is often known for its life insurance policies, but the company also sells homeowners insurance in North Dakota. The company often partners with certain employers to offer special rates on its products; you can check with your employer or directly with MetLife to see if you qualify.

MetLife’s policies offer the option for replacement cost coverage on your home and belongings, meaning you will get the amount to replace them, with no depreciation accounted for, if they are destroyed. MetLife also offers 24/7 customer service, which could be helpful if you prefer to talk to an agent rather than handling your policy on your own.

Learn more: MetLife Insurance review

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 how much 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 endorsement options to customize your policy. Additionally, State Farm only offers a few discounts. Policyholders might save money by bundling their policies, having a security system and having an impact-resistant roof.

Learn more: State Farm Insurance review

How much is homeowners insurance in North Dakota?

In North Dakota, the average cost of homeowners insurance is $1,828 per year for a policy with $250,000 in dwelling coverage, which is 24% higher than the national average premium of $1,477 per year. North Dakota homeowners pay quite a bit more than homeowners in the neighboring states of Minnesota and Montana, who pay, on average, $1,634 per year and $1,770 per year, respectively. However, North Dakota homeowners do enjoy cheaper rates than South Dakota homeowners, who pay an average of $1,958 per year.

Home insurance premiums are determined by using several rating factors. Things like your ZIP code, age, credit score, claims history, marital status and the specific details of your home are considered when your rate is calculated. North Dakota’s higher-than-average insurance premiums could be partly due to the state’s common causes of loss.

Home insurance considerations in North Dakota

In North Dakota, residents may have to contend with fierce winters that can damage homes, as well as damaging weather events like tornadoes and floods. To ensure your home is protected, you may want 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. In 2019, 15 tornadoes caused damage across the state. 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: Wind 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, which could further damage 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 it can be beneficial to confirm that with your agent.
  • Floods: Eastern North Dakota is at a particularly high risk for flooding when 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 will need to purchase a separate flood insurance policy. You can purchase flood insurance through the National Flood Insurance Program (NFIP), as well as from a private insurance carrier who offers the coverage.
  • Winter weather: North Dakota sees its highest snowfall amounts in January, and the state averages 50 days below zero degrees each winter. 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 coverages in North Dakota

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

  • Dwelling: Dwelling coverage protects your 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 for medical bills and legal fees stemming from bodily injury or property damage that you are found at fault for.
  • Medical payments: If a guest is injured at your home, medical payments coverage will pay for their medical costs, regardless of who was at fault.
  • Loss of use: If your home is damaged and becomes uninhabitable, loss of use coverage will pay for substitute housing and other necessary expenses.

North Dakota homeowners may also want to consider flood insurance, depending on where they live in the state. Confirming how your policy covers wind, hail and water damage could be worthwhile as well, since severe weather is common.

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 home insurance as a requirement of the loan. If you do not have a mortgage or other kind of home loan, you may be able to go without home insurance. However, you should 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.

How do I get home insurance in North Dakota?

To purchase home insurance in North Dakota, you will first 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 quotes. If you are not sure what kind of coverage to purchase, you can talk to a licensed agent who may be able to help guide you through the process.


Bankrate utilizes Quadrant Information Services to analyze 2021 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.

About the author

Elizabeth Rivelli

Elizabeth Rivelli
Elizabeth has two years of experience writing for insurance domains such as, The Simple Dollar, and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.