The 3 Best North Dakota Insurance Companies

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Despite its nickname as the Peace Garden State, North Dakota’s tumultuous Midwestern climate is anything but peaceful.

Homes in North Dakota are affected by natural disasters such as floods, fires, windstorms, tornadoes, and earthquakes each year, making it no surprise that average premiums in the state exceed $1,000 a year. Though there are many preventive steps North Dakota residents can take to safeguard their most valuable asset from damage, selecting the right provider and the proper amount of coverage for your home is crucial.

To assist in your search, we’ve selected our top picks for the best North Dakota homeowners insurance companies and included an online quote tool so you can easily compare policies and prices in your area:

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Farmers Union Insurance

is a part of the QBE Insurance Group, which owns one of the largest shares of the homeowners insurance market in North Dakota. The company boasts an A (excellent) rating from A.M. Best for financial stability, and is known for its values of building strong personal relationships and maintaining fairness and honesty throughout the business.

Farmers Union offers multiple options for affordable North Dakota homeowners insurance policies, including coverage for individual residences, condos and townhomes, as well as overall personal liability umbrella for increased protection.

The Farmers Union website offers explanations to help policyholders understand the true “value” of their home so they do not find themselves in the situation of discovering they do not have adequate coverage after a loss. Although Farmers Union does not offer an instant online quote option, the company has over 400 employees who can get in touch with you to provide accurate quotes and assist you in determining the proper level of coverage for your home so you can have peace of mind.

State Farm

is the largest provider of homeowners insurance in the U.S. and is a popular option for North Dakota residents. The company offers coverage options for nearly every type of standard residence in the state, including single-family homes, condominiums, mobile homes, and farms/ranches. Basic policies from State Farm can be supplemented to include personal liability and injury protection, personal umbrella insurance, and specialty coverage for assets like home offices and studio spaces.

The company offers specialty features like its Discount Double Check, which ensures that you are receiving the best possible price for your policy by automatically applying any premium price break for which you qualify.

If your home sustains a loss, State Farm is one of the most easily accessible providers in the industry. To file a claim, simply call the 24-hour hotline, fill out an online form, visit one of their many local offices, or use the handy Pocket Agent mobile app. State Farm offers exceptional claims-service resources that can help ease recovery after a loss. The company’s HomeIndex digital inventory tool allows you to keep a running catalog of your covered possessions and their respective worth, cutting out the guesswork and maintaining accuracy when reporting a claim.

Nodak Mutual

has been serving the residents of North Dakota for over 60 years, providing a wide range of high-quality and affordable insurance products. A standard homeowners insurance policy from Nodak covers damage to your dwelling and any additional structures on your property, your personal belongings, and protects you against liability claims and medical expenses following a loss.

Nodak helps you tailor a customizable policy for the specific needs of your living situation and budget — add-on options include coverage for water backup and sump discharge, identity theft protection, and increased personal property replacement costs.

You can save on your North Dakota homeowners insurance policies by taking advantage of Nodak’s multiple discount offerings — bundling home and auto policies, insuring a newer home, and installing protective devices can all lower your annual premium rate. The company also gives price breaks to customers who have recently restored or rebuilt their roofs as well as to policyholders over 50.

Nodak does not offer an online quote option for prospective homeowners insurance customers, but the company boasts a reputation for providing personalized care to residents of the Peace Garden State, so call an agent to obtain a quote and determine if insuring your home with Nodak is the right option for you.

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

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