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Home Insurance in North Dakota

North Dakota's open landscape and long winters can bring weather that could be tough on homes. Because of that, homeowners insurance in North Dakota can be important to have. Most standard policies typically cover the home's structure and belongings. Some also include costs for temporary housing if your home becomes unlivable. Since each area in the state faces different weather risks, it could be important to review your coverage.

How much is the average homeowners insurance cost in North Dakota?

On average, North Dakota homeowners insurance costs 33% [1] more than the national average. Housing age, proximity to services, and regional weather risks - like North Dakota’s relatively frequent ice storms and strong winds - could impact your home insurance premium.

The table below shows average North Dakota home insurance costs over the past five years. Keep in mind that these are state averages, and the local factors just mentioned could cause city-level rates to differ.

Year

Average Annual Premium [2]

2025

$2,805

2024

$1,884

2023

$1,900

2022

$1,325

2021

$1,256

What factors typically influence home insurance rates?

Several local and personal factors come into play when insurers calculate your premium. Here's a look at what could influence your home insurance quotes in North Dakota:

  • Weather risk: North Dakota residents could experience strong winds, heavy snow, and freezing temperatures. Homes in areas that see more winter storm activity, such as those in the western and central parts of the state, could be rated differently by insurers due to the potential for roof damage or frozen pipes.
  • Home age and condition: If you own an older home, your charm-filled abode might come with outdated plumbing, old wiring, or aged roofing. These elements could lead to higher premiums due to the increased risk of damage or failure. On the flip side, newer homes might benefit from modern construction codes and safer materials, which could lower your rates.
  • Home value: Your home's value matters because it determines how much it would cost to rebuild if it's completely damaged. Insurance providers often check the home's purchase price and appraisal to set coverage limits.
  • Coverage limits and deductibles: Your choices for coverage and deductibles can affect what you pay. Higher coverage limits may increase your premium, while selecting a higher deductible can sometimes lower it. Adding optional coverages, such as flood or earthquake protection, may also raise your overall cost. 
  • Credit-based insurance score: Like many states, North Dakota allows insurers to use your credit score as one factor when assessing risk. A higher credit score may result in more favorable premiums.
  • Location-specific risks: Although crime rates are generally lower in North Dakota, some neighborhoods may have higher rates, which may impact your premium.

Coverage and availability can vary depending on the underwriting carrier. Consult with a licensed insurance producer to determine your eligibility and explore available options.

Common insurance discounts in North Dakota

If you're a homeowner in North Dakota, there are several ways you may be able to lower your insurance premiums through discounts. Listed below are some of the common insurance discounts you could find in North Dakota.

  • Multi-policy discount: If your insurance company provides more than just homeowners insurance, like auto or renters insurance, you may be able to save by bundling. Buying multiple policies from the same company can sometimes earn a multi-policy discount.
  • Security systems discount: Home security features could also lead to potential savings. North Dakota homeowners who install burglar alarms, deadbolts, or professionally monitored systems may qualify for a security discount. These upgrades could help lower the risk of theft and make your home less risky to insure.
  • New home discount: If your home is newly built or has undergone significant recent renovations, you might qualify for a discount. Homes with updated wiring, plumbing, and roofing are generally considered less risky to insure.
  • New roof discount: A recently installed roof, especially one rated for high winds or impact resistance, may signal to insurers that your home is better protected from storm damage. Some insurance carriers may offer lower premiums as a result.
  • Loyalty discount: Some insurance carriers may reward long-term policyholders with loyalty discounts. However, staying with the same insurer doesn’t always mean the lowest rate. It's a good idea to compare North Dakota homeowners insurance costs every year to make sure you’re still getting the best value.
  • Paperless billing or auto-pay enrollment: Going digital or setting up automatic payments might seem like a small step, but some insurers may offer discounts for these eco- and admin-friendly choices.

Not every insurance company in North Dakota offers every discount, so it's worth comparing multiple home insurance quotes in North Dakota before locking in your policy coverage.

What does North Dakota home insurance typically cover?

Homeowners insurance could help protect you financially if something unexpected happens to your home or belongings. It's like a safety net that helps you recover from covered events such as fires, storms, theft, or certain types of accidents.

That said, here's what home insurance in North Dakota, typically covers:

  • Dwelling coverage: This insurance coverage helps protect the structure of your home itself. If a tornado, fire, or hailstorm damages your house, your policy may help cover the cost to repair or rebuild.
  • Other structures: Coverage usually extends to detached structures on your property – like a garage, shed, barn, outdoor fireplace, fence, swing set, or wall. Recreational items, such as trampolines or swimming pools, might also be included. However, because they pose a higher risk, you might need additional liability coverage.
  • Personal property coverage: This part of your policy helps cover personal belongings inside your home. It can include furniture, clothing, appliances, and your heating or cooling systems. If you own expensive items such as jewelry, fine art, or collectibles, you might need to purchase extra coverage to fully protect them.
  • Personal liability coverage: Liability coverage helps protect you financially if someone is injured on your property and pursues a claim or lawsuit. It could help pay for legal costs, settlements, and medical expenses.
  • Loss of use (or additional living expenses): If your home becomes unlivable after a covered event, this coverage helps pay for temporary living expenses, such as hotel stays or meals. 

Additional North Dakota insurance coverage options

Some risks may fall outside the scope of standard home insurance in North Dakota. Homeowners may want to consider the following add-ons:

  • Flood insurance: In spring, rapid snowmelt could cause water levels to rise quickly, sometimes flooding basements or crawl spaces. Since most standard insurance policies don't include flood protection, this add-on may be worth exploring. A separate flood insurance policy is typically available through private providers or FEMA.
  • Sewer or water backup: This add-on coverage can help protect you if sewage or water backs up into your home or if your sump pump overflows. It may help with cleanup and certain repair costs, including repairs to the sewer line within your property boundaries. Homes in North Dakota with older plumbing systems or basements may be more prone to these issues, especially after heavy rain or when snow melts quickly.
  • Scheduled personal property: Items such as heirloom jewelry, camera equipment, or vintage collectibles may need separate scheduling to be fully covered.
  • Home equipment breakdown: This coverage may apply to appliances and home systems, such as HVAC system units or water heaters, in case of sudden mechanical failure. North Dakota homeowners may want to explore this add-on, as the state’s long winters could put extra strain on heating systems.

What North Dakota residents need to know

If you live in North Dakota, there are a few important things you should know:

  • Don't under-insure your home: With rising construction costs, ensure your policy's dwelling limit reflects today's rebuilding rates, not last year's market value.
  • Increasing property values: As real estate values rise, it's important to review and update your policy to ensure you have adequate replacement cost coverage.
  • Wind and hail coverage: Many standard policies include wind and hail protection, but in higher-risk areas or for homes with older roofs, you might need a separate endorsement. Check with your insurer, especially if your home has flat roofing or is built with less wind-resistant materials.
  • Flooding: If you live near a floodplain or see regular spring flooding, flood insurance may be worth exploring.

Tips for lowering home insurance rates

Home insurance in North Dakota can be expensive, but there are several ways you could lower your premium. Here are a few tips:

  • Raise your deductible: Consider raising your deductible, which could lower your monthly bill. However, make sure you could cover that amount out of pocket if a covered event happens.
  • Bundle your policies: Buying multiple policies from the same company can sometimes earn a multi-policy discount.
  • Install preventive devices: Smoke detectors, carbon monoxide alarms, water leak sensors, and smart locks could help you qualify for discounts. Eligibility and qualifications for these programs might vary by insurer.
  • Strengthen your credit: In North Dakota, your credit score could influence your premium. Pay bills on time, keep balances low, and avoid new debt before policy renewals. 
  • Upgrade your home: Insurance companies typically prefer homes that are built to withstand the elements. Installing fire-resistant roofing, impact-resistant windows, or even a home security system may unlock discounts.
  • Ask about hidden discounts: From senior savings to energy-efficient home credits, many discounts aren't advertised. Don't be shy – ask your agent if there are any extra perks you might qualify for.

Looking for homeowners insurance in a different state?

Exploring home insurance options outside of North Dakota? Use the interactive map below to select your state:


Still have questions?

Curious to learn more about North Dakota homeowners insurance? Here are some frequently asked questions:

Is North Dakota homeowners insurance required by law?

North Dakota law doesn't require homeowners insurance. However, most mortgage lenders do. If you're financing your home, your lender would likely require enough insurance to protect their interest in the property.

Even if you've paid off your home, having a policy in place provides coverage for unexpected damage or liability costs. While it's not a legal requirement, home insurance is often important to consider.

Can I customize my home insurance coverage?

Yes, most insurers allow you to customize your policy with add-ons such as earthquake insurance, sewer or water backup, home business endorsements, extended replacement cost, and more. Coverage and availability can vary depending on the underwriting carrier. Consult with a licensed insurance producer to determine your eligibility and explore available options.

Sources

1 Information from NerdWallet.

2 Information from Insurance Information Institute, Yahoo! Finance, Policygenius, and NerdWallet.

Figures reflect averages from publicly available sources as of September, 2025.

This article is for informational purposes only and was compiled from sources not affiliated with Hippo. While we believe this information to be reliable, we do not guarantee its accuracy or completeness. For any insurance-related decision, please consult your licensed insurance producer.


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References to “Hippo” mean Hippo Analytics Inc. d/b/a “Hippo Insurance Services” which is an insurance agency licensed in 50 states (California Lic. No. 0K96532, Texas Lic. No.2213178) that is domiciled in Delaware and has a principal place of business in California. Hippo sells property and casualty lines of insurance for affiliated and non-affiliated insurance carriers and other underwriting entities (“insurers”). Hippo receives compensation from insurers in the form of a base commission that is normally based on a predetermined percentage of the premium. You may contact Hippo for more information about compensation expected to be received by Hippo. Nothing on this site alters the terms or conditions of any insurance policy. Coverage and coverage amounts selected are the decision of the buyer. Availability and qualification for coverage, terms, rates, and discounts are subject to the insurer’s underwriting criteria, and may not be available in all states. Please read your policy for a complete description of coverage.