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