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North Dakota Home Insurance

North Dakota homeowners insurance is crucial to protecting your most significant asset, your home. By understanding coverage options, taking advantage of discounts and asking the right questions, you’ll take the first steps to a more secure future.

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Or call 866-COUNTRY (866-268-6879), and we'll help you find home insurance that works for you.

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North Dakota home insurance coverage

When you invest in home insurance in North Dakota, you help protect your home from unexpected events. Our policy includes:

When thinking about home insurance, exploring various coverage types beyond the basics is essential. Here are some additional coverage options homeowners in North Dakota should consider:

  • Flood insurance
  • Sump pump failure and sewer back up coverage

Do these coverages protect you from damage caused by natural disasters? That depends on your policy.

Our team can help tailor your coverage to your unique needs, including protection against wind, hail, floods and other location-specific risks.

Learn more about our home insurance coverages.

Homeowners insurance discounts

We believe in making your insurance more affordable. That's why we offer a range of home insurance discounts1: 

  • Multi-Policy Discount: Bundle auto, home, or life insurance, or financial products for more significant savings, if applicable.
  • Protective Devices Discount: Install alarms and security systems (fire, burglar, or automatic sprinklers) to qualify.
  • Home Feature Discounts: Enhance your home and save with our Smart Home Discount and Backup System Discount.
  • Reward Discounts: You may qualify for additional discounts such as a Welcome, Loyalty, Good Payer and more.  

Read more about our homeowners insurance discounts.
 

How much is homeowners insurance in North Dakota?

Curious about the cost of homeowners insurance in North Dakota? On average, according to NerdWallet, a homeowners policy in North Dakota is around $2,445 annually.2 Keep in mind that specific factors can influence your premium. Some cost factors are:

  • The value of your home
  • The type of coverage you select
  • Location
  • Age
  • Size
  • Condition
  • Claim history
  • Special features (trampoline, pool, playground)

...and many more.

Please note that these numbers are approximate, and your actual premium may vary. Contact one of our agents for a personalized quote tailored to your needs.

Is homeowners insurance required?

The state doesn't mandate North Dakota homeowners to have insurance, but most mortgage lenders will require a home insurance policy as a condition of your loan. Protecting your investment with insurance is a wise choice, ensuring your financial well-being and peace of mind.

Home insurance in North Dakota

At COUNTRY Financial, we proudly serve homeowners in various cities in North Dakota. While these are just some of the areas we do business in, we have an extensive state network with more flexible coverage than most insurance companies. We help you with coverage when you need it most.

All cities in North Dakota All cities in North Dakota

Ready to start a home insurance quote?

Start online, find a local rep or call us at 866-COUNTRY (866-268-6879). We'll help you find home insurance that works for you. 

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1Discounts and availability vary by state.

2 The Best Home Insurance in North Dakota for 2024 - NerdWallet, March 2024

COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.

Home insurance policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Casualty Insurance Company® or COUNTRY Preferred Insurance Company®, Bloomington, IL. 

For product and service information, read our Terms & Conditions.