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Best homeowners insurance in North Dakota for 2022

Updated Dec 05, 2022
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How Bankrate chose the best home insurance companies in North Dakota

To find the best homeowners insurance companies in North Dakota, Bankrate’s insurance editorial team used Quadrant Information Services to obtain 2022 premium information. We also reviewed J.D. Power’s 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.

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
Allstate 3.9 $1,781 829/1,000
Auto-Owners 4.3 $1,776 831/1,000
Country Financial 4.2 $1,472 830/1,000
State Farm 4.7 $2,358 835/1,000

*Rates are for annual policies with $250,000 in dwelling coverage


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.

Learn more: Allstate Insurance review


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 coverage options to customize your home insurance, like Guaranteed home replacement coverage, equipment breakdown coverage and water backup coverage.

Learn more: Auto-Owners Insurance review

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.

Learn more: Country Financial 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 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.

Learn more: State Farm Insurance review

How much is homeowners insurance in North Dakota?

In North Dakota, the average cost of homeowners insurance is $1,872 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 cheaper rates 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 worst drought in a century 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: 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, 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.
  • Floods: 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 flood insurance policy. You can purchase flood insurance 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 endorsements and coverage you can use to tailor your policy to your specific needs, such as:

  • Backup of sewer and drains: 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

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.

Edited by Managing Editor