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Last updated on Oct 01, 2020

The Best Homeowners Insurance Companies in North Dakota

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    When it comes to insuring your home in the Liberty and Union state, you’ve got quite a few quality options to choose from. Because of the rough weather that frequents the area, getting the right level of homeowners insurance in North Dakota from the right company is of paramount importance.

    On average, the best homeowners insurance in North Dakota is about $100 over the national average. Picking out a top provider starts with looking at companies that can meet your unique needs. Some leading companies to consider are Auto-Owners Insurance, Farmers Union, and MetLife.

    The 5 Best Homeowners Insurance Companies in North Dakota

    Compare North Dakota’s top insurance companies


    Auto-OwnersFarmers UnionMetropolitanAllstateState Farm



    Our reviewOur reviewOur review
    A.M. Best Financial Strength RatingA++A-A+A+A++
    J.D. Power Overall Customer Satisfaction Score843*N/A824*829*829*
    Online Quote Tool



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    Best North Dakota Homeowners Insurance Companies

    Auto-Owners Insurance

    If you prefer doing your insurance business in person or by phone rather than digitally, Auto-Owners could be a good fit for you. Auto-Owners doesn’t have an online quote tool, nor can you report a claim online.

    Auto-Owners

    Best Pricing Options

    Why we chose it

    Auto-Owners is a financially solid company with decent customer service rankings, a good lineup of optional coverages, and an extensive discount list.
    • 4 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 843* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Auto-Owners is a financially solid company with decent customer service rankings, a good lineup of optional coverages, and an extensive discount list.

    Pros

    • Policies available for home, car, life, and business
    • Ideal for people who want a personal touch
    • In business for over 100 years

    Cons

    • Minimal online tools and support
    • Not rated by all credit agencies
    Read More

    Discounts available

    • Multi-policy discount
    • Green discount for paperless billing
    • Paid-in-full discount

    Unique features

    • Multi-policy discount
    • Green discount for paperless billing
    • Paid-in-full discount

    *J.D. Power 2020 U.S. Home Insurance Study, based on a 1,000-point scale

    Further Reading on Auto-Owners:

    Farmers Union

    Farmers Union is a regional insurer that is active in three states, among them North Dakota. Included in your basic policy are things like debris removal, fungi remediation, fire department service charge, and ordinance or law coverage.

    Farmers Union

    Best for Local Expertise

    Why we chose it

    Sometimes, you want service that’s a little more tailored to your specific needs. That’s where a local provider like Farmers Union comes in. Because the company offers service in only a few states, you can expect better understanding of home insurance concerns particular to North Dakota.
    • 4 Reviews Score
    • A- AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Sometimes, you want service that’s a little more tailored to your specific needs. That’s where a local provider like Farmers Union comes in. Because the company offers service in only a few states, you can expect better understanding of home insurance concerns particular to North Dakota.

    Pros

    • Company knowledgeable and focused on the upper Midwest region
    • In business since 1945
    • Policies for auto, small business, homeowners, commercial, renters, and farms

    Cons

    • Customer support only open during the week
    • Little information available online
    Read More

    Discounts available

    • Discounts not enumerated

    Unique features

    Instead of servicing the entire U.S., Farmers Union Insurance is laser-focused on the upper Midwest states. The company carries an A+ rating with the Better Business Bureau (BBB) and has over 400 agents in the area.

    *J.D. Power 2020 U.S. Home Insurance Study, based on a 1,000-point scale

    Metropolitan Life

    Metropolitan Life, better known as MetLife, offers a few enticing coverages, including full replacement cost for your home and belongings, without an enormous premium.

    MetLife

    Best for Replacement Cost Coverage

    Why we chose it

    One of the things we like best about MetLife homeowner insurance is that all policies come with replacement cost coverage — although there are some limits to this perk. The coverage could mean that you receive more in a claim than what the house would bring on the market if that’s what it takes to repair or replace it in the event of a disaster.
    • 3.5 Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 824* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A- BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    One of the things we like best about MetLife homeowner insurance is that all policies come with replacement cost coverage — although there are some limits to this perk. The coverage could mean that you receive more in a claim than what the house would bring on the market if that’s what it takes to repair or replace it in the event of a disaster.

    Pros

    • 24/7 claims support
    • Identity protection services included with every policy
    • A+ rating with AM Best

    Cons

    • Few digital tools for claims assistance
    • Less-than-stellar reputation for customer support
    Read More

    Discounts available

    • Certain employer discounts
    • Bundle discounts for home, car, boat, and more

    Unique features

    One unique feature of MetLife homeowners insurance in North Dakota is that you get identity protection included in every policy. Additionally, all policies are highly customizable for things like hail, fire, theft, tornadoes, and more.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale

    Further Reading on Metropolitan Life:

    Allstate

    Allstate’s strength is in the diversity of its offerings and discounts, which allow you to pick and choose the coverage that works best for your circumstances. It has a great website, with tons of useful information.

    Allstate

    Best for New Homebuyers

    Why we chose it

    One of the biggest names in the insurance industry, Allstate, has one of the best websites we’ve seen. In addition to the Common & Costly Claims tool we mentioned above, it also features the GoodHome home report, which gives you data specific to your home and tips on protecting it. It’s no surprise that Allstate ranks second in J.D. Power’s Insurance Digital Experience Study.
    • 4 Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 829* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    One of the biggest names in the insurance industry, Allstate, has one of the best websites we’ve seen. In addition to the Common & Costly Claims tool we mentioned above, it also features the GoodHome home report, which gives you data specific to your home and tips on protecting it. It’s no surprise that Allstate ranks second in J.D. Power’s Insurance Digital Experience Study.

    Pros

    • Several unique discount options to save on your homeowner’s insurance in North Dakota
    • Major company with local agent support
    • Your rate won’t go up just because you file a claim (Claim RateGuard)

    Cons

    • Mixed customer service reviews, depending on the agent
    Read More

    Discounts available

    • Multi-policy discount
    • Claim-free discount
    • Early signing discount

    Unique features

    Allstate has a robust listing of endorsements, or add-on coverages, including sports equipment, yard and garden, identity theft restoration, and electronic data recovery. Its discount list is similarly packed, with options such as new roof savings, Claim RateGuard, home buyer discount, and a 55 and retired discount.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale

    Further Reading on Allstate:

    State Farm

    State Farm offers above-average customer support along with competitive pricing and solid coverage options. For those new to home ownership, its Simple Insights blog can tell you everything you need to know about home ownership in general.

    State Farm

    Best for Fast Claim Payments

    Why we chose it

    Like Allstate, State Farm has a strong national presence and is one of the top insurers throughout the U.S. One of its biggest strengths is a strong website with a wealth of information that can give you a better understanding of the insurance process in general.
    • 3.75 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 829* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Like Allstate, State Farm has a strong national presence and is one of the top insurers throughout the U.S. One of its biggest strengths is a strong website with a wealth of information that can give you a better understanding of the insurance process in general.

    Pros

    • Informative resources on the company’s website about homeowners insurance
    • Highest possible rating with AM Best (A++)
    • In-depth online quote tool gives more accurate assessments

    Cons

    • Fewer policy discount options than some competitors
    • Higher premiums
    Read More

    Discounts available

    • Multiple line discount
    • Home alert protection discount (fire, smoke, or burglar alarms)
    • Roofing discounts based on the type of roofing products on the house

    Unique features

    State Farm has a more in-depth online quoting process, which can help you see a more personalized rate that best matches up with what you’re really going to end up paying. For those shopping rates, this can save you a lot of time in the process.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on State Farm:

    Average Cost of Homeowners Insurance in North Dakota

    The average premium cost for a homeowner’s policy in North Dakota is $1,253, according to the non-profit Insurance Information Institute. That puts the state in 19th place among all the states, and is slightly more than the national average of $1,211. 

    Your own cost will vary. There are multiple factors that come into play in determining your policy premiums, ranging from the age of your home and its location to your credit rating and situation. It is recommended that you get multiple quotes when starting out as every company has its own algorithm for determining premiums.

    Home Insurance add-ons that will further protect you

    If you live in North Dakota, you know that the Rough Rider State is known for, well, rough weather. Severe winters with lots of snow are the norm, and increasingly, summer heat plays a disastrous role in encouraging forest fires and other heat-related disasters. And it doesn’t help that Tornado Alley touches the southern border of the state.

    What this means is that you want a robust and comprehensive homeowner insurance policy in North Dakota; one that includes coverage for the sort of perils you might face. Most basic policies include coverage for snow, hail, and wind damage as well as fire, among the “named perils” that are covered. It’s worth checking yours, or asking your agent to do so, to ensure that your coverage extends to those calamities that are most likely to occur in your area.

    If you’re not sure what you may need coverage for, a handy tool is Allstate’s Common & Costly Claims tool. Just type in your zip code and you can find the five most common, and five most costly, types of claim in your specific area. 

    Helpful Resources for North Dakota Homeowners

    For homeowners in North Dakota looking for additional information, there are additional resources available. The North Dakota Insurance Department has a helpful guide that breaks down many of the basics residents of The Peace Garden State should know. The guide looks at rates, types of coverage, and has information for homes, condos, and mobile homes.

    Homeowners Insurance FAQ

    Is homeowners insurance required in North Dakota?

    State law in North Dakota doesn’t require you to carry homeowner’s insurance. That being said, the company that services your mortgage most likely will require that you have insurance to cover any damages. Additionally, it may be fiscally responsible to keep your belongings covered in case of unexpected occurrences.

    What is the cheapest homeowners insurance in North Dakota?

    While the price is an important factor in selecting the best homeowners insurance companies in North Dakota, the level of service and coverage is just as important. Rates will vary based on your needs, but during some sample testing, Auto-Owners Insurance, Farmers Union, and MetLife came in as some of the less expensive homeowners insurance options.

    About the Authors

    Jason Lee is a seasoned writer with a passion for writing about insurance, banking, and personal finance. As a Las Vegas local and area business owner for a decade, he knows the ins and outs of the city better than anyone.

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