North Dakota is a nature lover’s dream, with beautiful prairies all over the Peace Garden State. It’s an affordable place to live and is well known as one of the most tax-friendly states. However, if you live in North Dakota, you know the state’s vulnerability to weather extremes is nothing to laugh at, making an affordable homeowners insurance policy crucial.

Homeowners insurance in North Dakota is usually more expensive than the national average thanks to extreme winds, floods, blizzards, and hail. North Dakota usually experiences more than 30 tornadoes per year, mostly in summer, a time that also brings fires and other heat-related issues. Winter comes with dangerous hailstorms, snow, and polar temperatures that can cause ice dams and frozen pipes.

Whether you’re in the capital city of Bismarck or live in Fargo, Grand Forks, Minot, or somewhere in between, you need a robust homeowners insurance policy to protect you and your belongings from the state’s extreme weather.

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How to Get Affordable Home Insurance in North Dakota

North Dakota has climate extremes due to its location in the Great Plains and its proximity to Canada. The longer you’ve lived there, the better you know that every season has the potential for damaging weather phenomena, from floods and fires to windstorms, tornadoes, and earthquakes. In other words, the Rough Rider State is known for rough weather that can put the state’s 400,000 homes at risk. 

Buying a home is a significant financial investment. Most people will say it’s the biggest investment of their lifetime. North Dakota isn’t a coastal state, but it’s still at a huge risk for severe weather events that can create a burden for any homeowner.

That’s why North Dakota homeowners need to be prepared with a good home insurance policy in place. State law doesn’t require homeowners to carry home insurance, but it’s a smart idea to have one anyway. It protects your property and personal belongings from theft and natural disasters that put your investment at risk. 

From dwelling coverage to picking the right insurance provider, we’ve compiled the best home insurance discounts and home insurance companies so you can find the home policy that works best for you. Check out our full guide to North Dakota home insurance below.

Homeowners Insurance Quotes in North Dakota by Company 

Homeowners insurance rates aren’t always designed with savings in mind. That’s where Insurify comes in.

As of 2020, the average home insurance premium in North Dakota costs $3,750 annually, and the median home value is $235,998.

These average costs will give you an idea of what you might pay in your area, but the actual costs depend on many factors, including your home, your neighborhood, and how much coverage you need.

Average Home Cost in North Dakota Average Annual Insurance Premium in North Dakota
$235,998 $3,750

Homeowners Insurance Quotes in North Dakota by City

Home insurance varies in price from city to city, just like property costs. The cost is determined by ZIP code–specific variables, which can include the volume of claims filed nearby, crime rates, and property costs, and risk variables, like the frequency of natural disasters. Even your individual neighborhood might mean you pay more or less for your annual premiums.

Rates in North Dakota can be relatively high or low compared to the national average; it all depends on which town you live in. Here are the most and least expensive ZIP codes in North Dakota for home insurance.

Most Expensive Real Estate in North Dakota  Cheapest Real Estate in North Dakota
Bismarck $276,323 Walhalla $88,907
Horace $238,660 Rolla $114,147
Bottineau $235,998 Fargo $234,967

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What does home insurance cover in North Dakota?

There are several types of home insurance. Specific terms of insurance policies may vary by state, but in general, the standard policy types are as follows:



  • The simplest and least comprehensive type of homeowners insurance
  • Provides coverage for a handful of potential problems, including
    • natural disasters (storms, fires, wind, lightning, volcanic eruption), 
    • explosions, 
    • theft, 
    • damage from vehicles, 
    • or civil commotion. 

Broad Form

  • Broad form homeowners insurance policies include all basic form coverage, plus protection from:
    • falling objects, 
    • damage from the weight of ice, snow, or sleet, 
    • freezing of household systems including HVAC and pipes, 
    • sudden and accidental damage to pipes and other household systems from artificially generated electrical current, 
    • accidental discharge or overflow of water or steam,
    • sudden and accidental damage. 
  • HO-2 policies typically cover both dwelling protection and personal property.
  • In some cases, broad form coverage may also include liability coverage. However, it still only covers the specific damages listed in the policy.

Special Form

  • The most common form of homeowners insurance is known as a “special form” policy.
  • While HO-1 and HO-2 policies are “named peril” policies (meaning they only cover dangers that are specifically listed in the policy), HO-3 policies are “open peril” policies meaning they’ll cover all dangers except those specifically excluded in the policy documents.

Tenant’s Form

  • HO-4 policies, also known as renters insurance, are for people who lease rather than own their homes. 
  • Tenant’s form policies typically cover all the same dangers as HO-2 policies. 
  • These policies include personal property coverage and liability coverage but don’t cover the physical structure of the house. 
  • Some HO-4 policies may also include loss of use coverage for the tenants.


  • Comprehensive form policies are usually the broadest and provide the highest level of coverage; not surprisingly, they also tend to be the most expensive type of homeowners insurance policies.
  • The biggest difference between HO-3 and HO-5 policies is that most HO-3 policies are “actual cash value” policies, whereas typically HO-5 policies are “replacement cost value” policies.
  • An actual cash value policy will only reimburse you for the actual value of a damaged or destroyed item, while a replacement cost value policy will reimburse you for however much it would cost to completely replace or repair the damaged or destroyed item (up to the coverage limits on the policy). 
  • HO-5 policies also provide personal property coverage against a wider range of dangers than the typical HO-3 policy. Many HO-5 policies also have extra coverage for high-value personal property, such as jewelry and artwork.

Condo Form

  • Not surprisingly, condo form insurance is for condominium owners. HO-6 policies generally protect against the same types of dangers as HO-3 policies. 
  • They provide dwelling protection coverage with a twist: HO-6 policies cover the walls, floors, and ceiling of the condo unit but not the rest of the building. 
  • These policies also include personal property and liability coverage and may include loss of use coverage.
HO-7Mobile Home Form
  • If you own a mobile home or manufactured home, you likely have an HO-7 policy. 
  • Mobile home form policies are typically identical to HO-3 policies, except they’re designed specifically for mobile and manufactured homes.
  • Like HO-3 policies, they provide dwelling protection coverage, other structures coverage, personal property coverage, liability coverage, and possibly loss of use coverage as well. 
  • HO-7 policies generally only protect the home when it’s stationary; if you plan to move your mobile or manufactured home, you’ll need to get a special policy to cover it while it’s in transit.

Older Home

  • Older homes have generally been built to less stringent code standards than recently built homes, and so insurers have designed a specialized type of homeowners insurance policy for them. 
  • HO-8 policies often only cover the basic perils listed in HO-1 policies and generally apply to homes that are registered landmarks or otherwise deemed historic homes. 
  • Owners of registered landmarks are typically forbidden from making the updates to HVAC, electrical, and other parts of the home that would enable them to qualify for a standard HO-3 policy, so an HO-8 policy is often the only option for them.

Flood Insurance in North Dakota

In North Dakota, spring often means flooding. However, the typical homeowners insurance policy doesn’t cover flood damage at all, which can lead to nasty surprises if your home suffers damage in a flood.

Figure out whether you’re in a FEMA flood zone. If you are, it’s a good idea to get flood insurance through the National Flood Insurance Program (NFIP) so you’ll be covered if a flood happens.

Mobile and Manufactured Homes in North Dakota

Mobile and manufactured homes are popular everywhere because they’re so affordable. However, they come with their own set of risks. They don’t have foundations, and they’re usually built from lighter materials than a traditional home, which means they’re easier to damage when severe weather happens or a fire starts. 

If you have a mobile home or a manufactured home, look into an HO-7 policy. They’re specifically designed for mobile and manufactured homes, and a basic policy typically covers physical damage to your home and personal liability coverage. You may be required to buy mobile home insurance if you’re still paying off your mobile home. However, even if you own your home completely, you should still think about getting an HO-7 policy so you’ll be protected if anything happens.

North Dakota Homeowners Insurance FAQs

How do I know if I need to upgrade my insurance?

Some homeowners have special situations that require additional coverage, also known as endorsements. Some insurers offer optional coverages for special situations, which might include: Protection in case your sump pump fails Water and sewer backup Extra coverage for identity theft protection services Increased limits for things your policy covers at a basic level, like personal property Spoiled food replacement Coverage for special property, like fine jewelry or guns Check with an insurance agent to see if you need any of these add-ons.

Who has the best homeowners insurance coverage in North Dakota?

North Dakota has lots of options for insurance. The home insurance landscape includes familiar national insurers, like American Family Insurance, Farmers Union Insurance, and State Farm, and regional insurers, like Nodak Mutual (which has been serving North Dakota for more than 60 years) and North Star Mutual Insurance Company.

Can I bundle my home and auto insurance?

Some insurers offer discounts if you get both home and auto insurance through them. Check out our guide to bundling for more information. 

Special Home Insurance Situations in North Dakota

Unique elements of your home may affect homeowners insurance prices. Check out these quotes for some special situations that may impact your home insurance in North Dakota.

Cheapest Home Insurance for Houses Near a Fire Department in North Dakota

Insurance Company Average Annual Premium
Allstate $2,289
Country $2,867
Metropolitan $2,565
State Farm $4,020

Cheapest Home Insurance for Houses Less Than 20 Years Old in North Dakota

Insurance Company Average Annual Premium
American Family $1,895
EMC $1,437
Farmers Union Mutual $1,214
North Star $1,913

Conclusion: How to find the cheapest home insurance in North Dakota

With all the risk that severe weather poses to North Dakota homes, you can’t afford to go without good homeowners insurance. Take a few minutes to research and find the savings you need for your home.

Use Insurify to compare home insurance premiums for your property in North Dakota. Our comparison tools make homeowners insurance shopping (and saving) simple so you can be on your way to enjoying your newly insured home in no time.

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Updated October 19, 2020

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