No matter what your reasons for deciding to purchase a home in North Dakota, you’ve already made an excellent decision. Of course, no state’s beauty and draw comes without hazards and risk. North Dakota inherits a decent section of “tornado alley”, making wind and related damages some of the most common issues to strike homes. Summer months also bring heat that most people unfamiliar with the area may never think to attribute to a state like North Dakota. This heat increases fire risks across the state and can become a real danger for homes and property. Winter time accompanies its own challenges and threats to your home with unrelenting freezing weather and crushing amounts of snow. Luckily, a strong homeowners insurance policy can protect you from the financial consequences of these risks.

To help you compare your options, we leveraged the tried and true methods straight from our national review of the best homeowners insurance companies: We dove deep into customer satisfaction scores, financial stability ratings, coverages options, and types of discounts. We also combined our findings with insights into what makes a comprehensive plan for the majority of North Dakotans, then evaluated the four biggest providers in the state, starting with the best.

However, home insurance is an extremely personalized service; what serves your neighbor may not always be the right choice for you. And since insurance companies use very in-depth complex algorithms to assess risk and assign premiums the difference between coverages and costs can vary significantly — even as close as the next zip code or the next street over. Our recommendation: get quotes from the providers available where you live, starting with the big names we talk about at here.

North Dakota Homeowners Insurance Reviews

State Farm

State Farm cracks the top of our list with excellent customer satisfaction ratings combined with extensive coverage options.

It’s the only provider here that grabbed an above industry standard grade from JD Power and Associates’ overall satisfaction survey; Consumer Reports also gave State Farm an excellent grade in its homeowners insurance experience study.

Right off the bat, you have some of the most critical coverage for any home in North Dakota, too. Basic coverage on a typical homeowners insurance plan from State Farm includes protections against fire, wind, hail, lightning, freezing water, and weight of ice (just to name a few). State Farm even roles water and sewer back-up into its basic coverage, which is unique in comparison to most of our other top picks.

Should you decide to increase your safety net, State Farm offers a number of optional endorsements (aka add-on coverage). One of the best is its worldwide Personal Articles Policy. If you take your brand new laptop on a tour through Europe, and it ends up in the hands of a thief, your home insurance policy will cover it. By comparison, most other companies limit this coverage to the US.

At the local level, State Farm stands alone with fellow top pick, Liberty Mutual, in offering inflation protection coverage as an add-on. Inflation Protection will periodically adjust your dwelling, property valuations, and premiums to keep up with the constant change in market values.

State Farm doesn’t offer a dedicated homeowners insurance app for mobile devices like Liberty Mutual or Allstate, but it does offer an online tool that matches its capabilities. State Farm HomeIndex Home Inventory Tool allows you to create a digital inventory of your home to better calculate the personal property coverages in your policy. It can even help you estimate values if you are unsure of certain articles.

Other great resources include State Farm’s wide range of calculators. From Buy or Rent to Mortgage Refinance, nearly any calculations you may need to make regarding your home or its values can be found here. Simple Insights covers a range of topics on homeownership like increasing your home insurance literacy to figuring out the best way to greet your new neighbors.

Allstate

Allstate also boasts top customer satisfaction scores: JD Power scored Allstate just a single point lower than State Farm, while Consumer Reports ranked them only two points behind in customer satisfaction. And where Allstate falls behind in scores, it makes up in online educational materials.

If this is your first time shopping for homeowners insurance, Allstate is the best place to start (even if you don’t end up signing up with the company). You can start by skimming through an overview of basic coverages found in your home insurance policy. Then, move onto the more advanced tools to better evaluate your situation and factors before exploring optional coverages.

Allstate offers a unique Common & Costly Claims tool. This will let you check the top 5 most common damages, as well as the most expensive, inside your zip code. For example, if “theft and burglary” is one of the most frequent claims made in your area, consider increasing your personal property coverage.

Once you’re a policyholder, it’s a good idea schedule your property and keep track of valuables in case you ever need to file a claim. Allstate has an app for that called Digital Locker. It's a simple convenience, but Liberty Mutual is the only other homeowners insurance company that offers a dedicated app for its customers. Allstate’s Digital locker lets you create a comprehensive visual and descriptive list which will become invaluable if you ever need to file a claim.

Allstate offers plenty of chances to save on your policy, too. The company offers the most comprehensive discount options of our top providers. It’s the only company that applies a welcome discount of 10% for your first two years. It’s also the only company to reward digital-savvy homeowners with a discount for those who set up auto-pay for their premiums.

Other standouts include discounts for new or improved roofing materials, savings for easy to incorporate security features like smoke alarms or deadbolts, and keeping a clean claims history. It’s safe to say that savings are important to Allstate just as they are important to you, and the company makes them easy to find and earn.

Liberty Mutual

Liberty Mutual actually surpasses State Farm in Consumer Reports satisfaction claims study by a single point, but then comes in one point behind State Farm according to JD Powers’s rankings. Still, it’s enough to say that these providers (in fact, all of our top picks) are top-scorers throughout the entire industry and are closely matched.

Liberty Mutual competes closely with State Farm in offering comprehensive coverages. Like State Farm, Liberty Mutual even tackles some rarer optional protections like inflation coverage and identity fraud protection.

When you want to expand your coverages even further, Liberty Mutual makes it easy with a pre-built package called Home Protector Plus. While most other insurers would make you pick from an à la carte selection of coverages (assuming that you will know exactly what you need), Liberty Mutual takes confusion and indecision out of the picture.

Coverage with Home Protector Plus extends property and dwelling coverages to replacement value instead of original value. Replacement value will pay to replace your lost or damaged items or structures with a current equivalent, even if the current value is greater than it was initially. It will also make up for additional living expenses when you are out of your home for repairs, and even rolls in loss forgiveness, meaning Liberty Mutual won’t hike up your premiums just because you filed a claim.

In our local quote evaluation, we found Liberty Mutual to offer our best price for a policy when shopping online. On top of that, it offers the most initial dwelling coverage by nearly $80,000. This could be extra useful if you’ve recently built the home you are insuring and expect value to go up in the near future, or if your home incorporates non-traditional structure or style that’s expensive to replace.

Complete, affordable coverage is Liberty Mutual’s key strength, backed up by its wide range of discounts. While the company doesn’t offer the variety of Allstate, it still has great options to bring a comprehensive plan into an affordable range. It’s as easy as keeping your home smoke free, shopping for a policy early, or simply insuring your home for its replacement value rather than merely the market value.

Travelers

Like the other big names we looked at, Travelers ranks highly in both claims and customer satisfaction — within one or two points of the competition. Travelers misses a few protections in its basic coverage (you’ll have to purchase extra riders), and its discounts list is comparably slim. However, the company does excel in the “green” market where others fall behind.

Travelers will make you add an extra endorsement to cover sudden water backup from things like your sewer pipes, which other insurers like State Farm or Liberty Mutual will roll into a basic plan. However, it offers a single coverage that none of the other top picks have decided to tackle yet: Green Home Coverage.

This special protection will pay an extra 10% for you to replace or repair your damaged home with green materials or methods. It will also offer up to $25,000 in assistance with recycling old materials as well as pay for a new or re-certification of your home as a “green home”. This certification is called LEED, which stands for Leadership Energy and Environmental Design.

If your home meets the requirements of an environmentally-friendly home, you can even be eligible for a unique discount from Travelers, another first and only in this list of top contenders.

How to Evaluate Your Homeowners Insurance Quote

We sought quotes from each of our providers, using data from an average home in Fargo area (3,000 sq. ft valued around $200,000). Remember: Quotes and availability can change between even within the smallest regions; it’s best to investigate all the options before deciding on a purchase. Our goal here isn't to tell you which provider is the cheapest. Instead, we'll show you how to compare the level of coverage against your quote premium, so you can figure out which provider's offer is the best for you.

Dwelling Coverage
Personal Property Coverage
Deductible
Premium
State Farm
$300,000
$225,000
$3,000
$2,232/year
Liberty Mutual
$379,600
$189,800
$2,500
$2,270/year

* Allstate and Travelers require a phone interview to complete a quote, which takes a bit more personal and sensitive information than we can replicate. Give them each a call before making your final purchase decision.

Even with just a couple quotes it's easy to see that providers in this area are willing to offer ample coverage for your home and possessions. These basic plans would easily take care of most claims and losses imposed on our average home. It is also interesting to note where each provider focuses when providing coverage estimates.

State Farm drastically beat out Liberty Mutual in the personal property category, suggesting that it’s better prepared to receive a claim related to anything inside your home. This shouldn’t come as a big surprise — State Farm’s Personal Articles Policy is one of the most premier in the business. That’s also why our quoted deductible — the amount you’ll pay for losses before your home insurance kicks in — is $500 more expensive.

Still, our Liberty Mutual quote offers nearly $80,000 more in dwelling coverage than State Farm’s. Along with its lower deductible and comparable premium, the policy is ideal if you’re primarily focused on protecting your home from external damages like wind, hail, or fire.

At the end of the day, it's all about what you are most interested in protecting. Homeowners insurance policies are highly customizable and can cover a very broad range of claims. That’s why we recommend comparing quotes from multiple providers.

Protect Your Home from North Dakota's Summertime Hazards

North Dakota is most often stereotyped by those unfamiliar with this diverse state as a winter dominated land, nearly always covered by a blanket of snow. What they don't know is that, during summer months, average temperatures bounce to the upper 80’s. Along with that balmy and dry weather comes the risk of wild and brush fires.

Damages from fire incidents are far and away the most expensive average claims in the entire property and casualty insurance sector.

Fire protection comes standard with all four of the providers we talk about here. But it's important to adjust your coverage correctly, so you’re protected in the event of total loss incident should a fire destroy your home.

Our top pick for homeowners insurance in North Dakota, State Farm, does an excellent job at detailing how to calculate current and replacement value of your home. This makes it easy to figure out exactly how much coverage you’ll need.

What’s replacement cost?This refers to the amount it would take to completely rebuild your home in the current market, which could be substantially different if your home was built decades ago.

As average temperatures are forecasted to rise and drought risks become more prevalent, it's just as important to understand the best practices in preventing devastating fires. Seriously — in 2017, a man accidentally sparked a 900-acre wildfire after parking his ATV in a field. Incidents like this highlight the need for simple safety measures when enjoying the great outdoors during the driest months of the year.

Luckily, North Dakota has recognized its risk and has begun the process of creating a safer place to live for its residents.

The state government’s website offers a few prevention tips, including completely dowsing all outdoor heat sources whether it's the coals in your barbecue or the campfire by your tent with water and strictly observing all burn bans. The state as whole has begun to prep for extreme heat hazards, too. The North Dakota Multi-Hazard Mitigation Plan is a large-scale evaluation of the state’s current and forecasted dangers and how to reduce the effects.