The Best Home Insurance in North Dakota for 2025
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Country Financial and Chubb are among the best home insurance companies in North Dakota, according to our analysis.
We analyzed data from more than 30 insurance companies to help you find the best home insurance in North Dakota. Below are the insurers that earned 5 stars in our analysis.
Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
$2,450 | ||
Not available | ||
$3,015 | ||
USAA* | Not available | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
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The best home insurance companies in North Dakota
Here's more information about the best homeowners insurance companies in North Dakota.
Coverage
Discounts
NAIC complaints
Amica
Coverage
Discounts
NAIC complaints
Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.
You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.
» READ MORE: Amica homeowners insurance review
Auto-Owners
Coverage
Discounts
NAIC complaints
Auto-Owners
Coverage
Discounts
NAIC complaints
Auto-Owners has been in business for more than a century. Its homeowners policies include all the basics, but you can also add coverage for things like identity theft or the failure of major appliances. Guaranteed replacement cost coverage is another optional add-on, enabling you to rebuild your home after a total loss even if your dwelling coverage limit is too low.
Auto-Owners sells homeowners insurance through independent agents.
» READ MORE: Auto-Owners homeowners insurance review
Coverage
Discounts
NAIC complaints
Chubb
Coverage
Discounts
NAIC complaints
Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.
North Dakota homeowners can also sign up for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and deployment of firefighters to your house if a wildfire is approaching.
» READ MORE: Chubb homeowners insurance review
Country Financial
Coverage
Discounts
NAIC complaints
Country Financial
Coverage
Discounts
NAIC complaints
Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You also have the option to add extra coverage for the structure of your home, in case the cost of rebuilding exceeds your policy limit.
Country Financial sells homeowners insurance through local representatives. The company has drawn far fewer complaints than expected to state regulators.
» READ MORE: Country Financial homeowners insurance review
Coverage
Discounts
NAIC complaints
USAA
Coverage
Discounts
NAIC complaints
USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.
For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.
» READ MORE: USAA homeowners insurance review
Other home insurance companies to consider
Looking for more of the best homeowners insurance companies in North Dakota? These insurers received a NerdWallet star rating of 4.5:
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$2,735 | ||
$2,375 | ||
Not available | ||
$3,000 | ||
Not available | ||
$2,495 | ||
Not available |
How much does homeowners insurance cost in North Dakota?
The average annual cost of home insurance in North Dakota is $2,445. That's 28% more than the national average of $1,915.
In most U.S. states, including North Dakota, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In North Dakota, those with poor credit pay an average of $4,040 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 65% more than those with good credit.
Average cost of homeowners insurance in North Dakota by city
How much you pay for homeowners insurance in North Dakota depends on where you live. For instance, the average cost of home insurance in Fargo is $2,245 per year, while homeowners in Bismarck pay $2,845 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Belcourt | $2,400 | $200 |
Beulah | $2,735 | $228 |
Bismarck | $2,845 | $237 |
Bottineau | $2,390 | $199 |
Devils Lake | $2,355 | $196 |
Dickinson | $2,830 | $236 |
Fargo | $2,245 | $187 |
Garrison | $2,830 | $236 |
Grafton | $2,325 | $194 |
Grand Forks | $2,245 | $187 |
Hazen | $2,735 | $228 |
Horace | $2,345 | $195 |
Jamestown | $2,430 | $203 |
Lisbon | $2,455 | $205 |
Mandan | $2,910 | $243 |
Minot | $2,410 | $201 |
Minot Afb | $2,455 | $205 |
New Town | $2,250 | $188 |
Rugby | $2,425 | $202 |
Stanley | $2,435 | $203 |
Valley City | $2,435 | $203 |
Wahpeton | $2,430 | $203 |
Watford City | $2,465 | $205 |
West Fargo | $2,235 | $186 |
Williston | $2,215 | $185 |
The cheapest home insurance in North Dakota
Here are the insurers we found with average annual rates below the North Dakota average of $2,445.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
North Star | 4.0 NerdWallet rating | $1,705 |
Farmers Union | Not rated | $1,805 |
Nodak | Not rated | $1,855 |
$2,375 |
Common risks for North Dakota homeowners
Here are a few of the most common risks you may face as a North Dakota homeowner, along with steps you can take to insure your home against them.
Winter storms
Homeowners insurance generally covers damage caused by winter storms, but your policy may have exclusions. For example, damage caused by frozen pipes may not be covered if your home wasn't warm enough to keep them from freezing. In addition, some scenarios may require extra coverage. For instance, you’ll need separate flood insurance to cover water damage caused by snowmelt.
Tornadoes
Home insurance usually covers wind damage caused by tornadoes, but your policy may have a separate deductible for wind claims. This deductible may be a flat rate, such as $1,000, or a percentage of your dwelling coverage. Suppose your policy has a $1,000 deductible for most claims and a 1% deductible for wind claims. If your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself.
Hail
Hail damage is covered under standard homeowners insurance policies, but you may have a separate deductible for hail claims.
Flooding
Homeowners insurance usually doesn't cover flood damage. As a result, homeowners in at-risk areas may need to buy separate flood insurance. Be aware that while you can get flood insurance at any time, there’s typically a 30-day waiting period before the coverage takes effect.
Not sure if you’re at risk for flooding? You can look up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk, so you may also want to check the website of the nonprofit First Street Foundation, which models climate risks. Enter your address in the top left corner to see your home’s flood risk rating on a scale of 1 to 10.
All your insurance info, all in one place.
See your policies anytime, anywhere. Plus, get notified when it's time to renew or shop. Just link your insurance to your free NerdWallet account.
North Dakota insurance department
The North Dakota Insurance Department regulates the insurance industry in the state and provides consumers with information and assistance. Contact the department at [email protected] or 701-328-2440. If you need to file a complaint against your insurer, you can do so on the department’s website or by mail.
Amanda Shapland contributed to this story.
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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