Divide County Homeowners Insurance

Divide County homeowners have specific needs when it comes to shopping for a home insurance policy. Did you know that Divide County homeowners pay $808.00/year for home insurance coverage? That's why we make it our job to find you the best rates and most comprehensive coverage in North Dakota.

We shop the top providers in North Dakota including Travelers, Safeco, The Hartford, Foremost, ASI/Ark Royal and Progressive to make sure we are getting you the best deal out there.

To get started on your Divide County home insurance quotes, select your city:

Homeowners Insurance Discounts in Divide County

• Smoke Alarm Discount: Divide County homeowners may be able to save up to 15% on home insurance with a smoke alarm discount.
• New Home Discount: If your Divide County home has been built within the past 10 years you may be eligible for up to 20% off your homeowners premium. Ask your agent if you qualify!
• Non-Smokers Discount: Because of the high number of dwelling fires caused by tobacco products, we offer 10% off of your policy if you and your family are smoke-free.

Why You Pay What You Do in Divide County

North Dakota home insurance rates vary for many reasons from one county to the next in North Dakota. And with over 2,283 residents in Divide County (with an average household income of $30,153) we know how much time you all spend shopping for the best quotes available. But don’t let shopping for home insurance become a chore. Fill out one easy quote form, starting with your zip code, and let us shop for you.

One of the top factors affecting your home insurance premium is the amount of dwelling coverage you need. Dwelling coverage is calculated by multiplying the square footage of your home by the average building costs in your area. (Figure, on average, building costs in Divide County are around $90 per square foot.) Dwelling coverage should not be confused with your home’s market value, which includes land value and is the value of your home if it were listed for sale. (The average home value in Divide County is $16,019.)

Rates in the area may also be affected by the amount of liability coverage you choose to include in your Divide County homeowners insurance policy. Liability coverage protects you and your family against lawsuits. The average household in Divide County is home to 2.24 people, so it’s important to make sure you are all protected by liability insurance.

Get the best rates on Divide County homeowners insurance by filling out a free quote form and talking with a licensed agent in your area today.