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Call Us Now: Shopping for North Dakota homeowners insurance quotes just got easier. Fill out one quote form on HomeInsurance.com and our team of licensed agents will compare your policy with the top rated insurance providers in the country. It's the easiest way to know you're getting the best homeowners insurance rates in North Dakota. We are now offering comparative rates on auto insurance too, which could save you even more.
The average North Dakota homeowners insurance rate in 2008 was $808.00. It appears that rates have increased over the past 3 years, so make sure you shop your North Dakota home insurance policy today.
Since rates have increased in recent months, it's important to continue to save money and find great coverage on your North Dakota homeowners insurance. Be sure to review your home insurance policy with your local North Dakota insurance agent regularly to ensure that you are qualifying for all available discounts. Also, check your North Dakota home insurance policy to be sure you are still getting the coverage you need for your home and family.
Standard North Dakota Home Insurance Coverages
| A | Dwelling: A standard North Dakota homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard North Dakota home insurance policy |
| C | Contents/Personal Property: A North Dakota home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your North Dakota home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In North Dakota, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or North Dakota MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
North Dakota Homeowners Insurance News
- Another Midwest governor concerned about flood protections Thursday, July 14, 2011
- Summer could bring historic flooding Monday, July 11, 2011
- North Dakota insurance fraud increases Monday, March 21, 2011
- North Dakota officials prepare for spring by talking flood insuranceTuesday, February 01, 2011
Other North Dakota Homeowners Resources:
- Visit our RateReport to see how North Dakota home insurance rates measure up against other parts of the country.
- Do you know what your home insurance covers? Visit home insurance 101 to see what your policy may and may not cover.
- Are you qualifying for all available discounts in North Dakota? Check out our list of available home insurance discounts.
Search for home insurance in your North Dakota county:
- Adams
- Barnes
- Benson
- Billings
- Bottineau
- Bowman
- Burke
- Burleigh
- Cass
- Cavalier
- Dickey
- Divide
- Dunn
- Eddy
- Emmons
- Foster
- Golden Valley
- Grand Forks
- Grant
- Griggs
- Hettinger
- Kidder
- Lamoure
- Logan
- Mchenry
- Mcintosh
- Mckenzie
- Mclean
- Mercer
- Morton
- Mountrail
- Nelson
- Oliver
- Pembina
- Pierce
- Ramsey
- Ransom
- Renville
- Richland
- Rolette
- Sargent
- Sheridan
- Sioux
- Slope
- Stark
- Steele
- Stutsman
- Towner
- Traill
- Walsh
- Ward
- Wells
- Williams
Customer Reviews in North Dakota
For additional information about specific insurance laws in North Dakota, visit the North Dakota Department of Insurance website.
