Best Homeowners Insurance in North Dakota (2024)

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Updated: December 4, 2024

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Agraria Insurance is the top home insurance company in North Dakota, but this depends on your individual needs. If cost matters more to you than customer service, Agraria Insurance remains the most cost-effective choice. However, for new homes, Auto-Owners provides optimal coverage, and American Family is preferable if you have expensive homes needing higher dwelling coverage limits.

Our comparisons generally consider a $100,000 dwelling coverage limit. The amount of dwelling coverage you need impacts your premium. Discover MoneyGeek's analysis of the cheapest home insurance in North Dakota for cost-effective options without compromising on service quality.

Key Takeaways

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In North Dakota, the best overall homeowners insurance provider depends on your specific needs, but Auto-Owners stands out for service quality with a MoneyGeek score of 98 out of 100, offering excellent customer satisfaction and reliable support. The runner-up is American Family, scoring 87 out of 100, delivering great service with slightly more affordable premiums. For those focused on budget, North Star Mutual provides competitive pricing with a respectable score of 86 out of 100.

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In North Dakota, North Star Mutual emerges as the cheapest homeowners insurance provider, offering coverage at approximately $759 per year. Agraria Insurance follows as a budget-friendly runner-up, providing competitive pricing for well-rounded coverage.

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In North Dakota, Auto-Owners is recognized as the top homeowners insurance provider for customer service, boasting an outstanding MoneyGeek score of 98 out of 100. If you're exploring other options, the runner-up is American Family, with a commendable score of 87 out of 100. Prioritizing customer satisfaction, responsiveness, and support during claims can make a significant difference during challenging situations.

Why Trust MoneyGeek? We utilized insights from the North Dakota Department of Insurance and Quadrant Information Services to discern the top homeowners insurance in North Dakota.

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Home insurance rates in Florida represent the latest quotes as of July 2024.

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Overall Best Homeowners Insurance in North Dakota

Agraria Insurance stands as the company with the best home insurance in North Dakota.

  • Agraria Insurance: MoneyGeek score of 77 out of 100 ($835 per year)
  • North Star Mutual: MoneyGeek score of 74 out of 100 ($759 per year)

In North Dakota, homeowners can choose from various companies that offer different costs and service experiences. Find the right balance of affordability and quality service to match your specific needs.

Best OverallAgraria Insurance
MoneyGeek Score:
77/ of 100
Overview

Agraria Insurance leads the home insurance market in North Dakota with exceptional coverage options. The company's average annual premium is $835.

Agraria Insurance provides significant safeguards with their mold coverage, offering homeowners $5,000 in fungi remediation, a critical layer of protection against costly home repairs due to mold damage. Another noteworthy protective measure is the fire department service charge coverage, covering homeowners for charges incurred when fire services are called upon, easing potential financial burdens in emergency situations.

Best Homeowners Insurance in North Dakota for Customer Service

Auto-Owners is the best home insurance provider in North Dakota based on service quality.

  • Auto-Owners: MoneyGeek score of 98 out of 100 ($1,263 per year)
  • American Family: MoneyGeek score of 87 out of 100 ($1,121 per year)

Valuing service quality in a home insurance provider means prioritizing customer satisfaction, responsiveness and support during claims, which are crucial during stressful times, such as in the aftermath of a home disaster when swift and compassionate action can make all the difference.

Company logo for Auto-Owners Insurance
Best for ServiceAuto-Owners Insurance
MoneyGeek Score:
98/ of 100
Overview

Auto-Owners in North Dakota boasts a customer satisfaction score of 63 out of 65, indicating its commitment to exceptional service. Their average annual premium stands at $1,263.

Among its reasonably rare coverages, guaranteed replacement cost ensures a home is rebuilt after a loss, even if costs exceed the policy limit. Equipment breakdown coverage protects against financial loss from sudden mechanical or electrical failures at a modest premium, providing homeowners security and peace of mind.

Best Cheap Homeowners Insurance in North Dakota

North Star Mutual is the best home insurance in North Dakota if you're on a budget. If you’re weighing your options, the following providers are among the top performers offering the most value for your dollar.

  • North Star Mutual: MoneyGeek score of 86 out of 100 ($759 per year)
  • Agraria Insurance: MoneyGeek score of 82 out of 100 ($835 per year)

North Star Mutual ensures that budget-conscious homeowners don’t have to compromise on price. Although the cheapest premiums are important, they don’t always equate to the best service. Seek a balance between affordable rates, based on the average cost of home insurance in North Dakota, and quality service.

Best CheapNorth Star Mutual
MoneyGeek Score:
86/ of 100
Overview

With a perfect affordability score, North Star Mutual offers the winning combination of low costs and reliable service for homeowners in North Dakota. The average annual premium for its home insurance is $759.

North Star Mutual helps homeowners on a budget with a variety of discount options, including bundle discounts and discounts for newly constructed homes. Bundle discounts apply when you combine home insurance with other policies, offering significant savings, while discounts for newly constructed homes recognize the reduced risk associated with newer property features and enhanced security.

Best Homeowners Insurance in North Dakota for Expensive Homes

American Family is the best option in North Dakota for expensive homes. Homeowners seeking $1 million in dwelling coverage will find these insurers as the top choices:

  • American Family: MoneyGeek score of 93 out of 100 ($4,235 per year)
  • Auto-Owners: MoneyGeek score of 89 out of 100 ($6,233 per year)

Given that owners of upscale homes often need substantial coverage, which can hike up costs, selecting an insurance provider that ensures a good balance of affordability and comprehensive coverage is important.

Company logo for American Family Insurance
Best for Expensive HomesAmerican Family Insurance
MoneyGeek Score:
93/ of 100
Overview

American Family leads for homeowners with expensive homes in North Dakota, boasting a perfect affordability score and an average annual premium of $4,235. Utilize the smart home discount for further savings, capitalizing on technology to reduce risks and insurance costs.

Equipment breakdown and back-up of sewer or drain are valuable add-ons for comprehensive protection. Equipment breakdown covers repairs for appliances and systems, while back-up of sewer or drain safeguards against water damage mishaps.

Best Homeowners Insurance in North Dakota for New Homes

In North Dakota, Auto-Owners stands out for the best home insurance for those with new homes, for a $500,000 dwelling coverage, offering an outstanding combination of affordability and service.

  • Auto-Owners: MoneyGeek score of 100 out of 100 ($2,041 per year)

Auto-Owners strikes a superb balance, providing homeowners in North Dakota an excellent mix of cost-efficiency and reliable customer service for their new homes.

Company logo for Auto-Owners Insurance
Best for New HomesAuto-Owners Insurance
MoneyGeek Score:
100/ of 100
Overview

Auto-Owners stands out as the top home insurance provider for new homes in North Dakota with a perfect affordability score, coupled with an average annual premium of $2,041. Opting for equipment breakdown coverage can significantly enhance protection for your home's appliances and systems against unexpected breakdowns.

Auto-Owners offers helpful savings with paperless billing and early payment options. You can unlock discounts by enrolling in paperless communications and by paying your policy premium in full ahead of schedule.

Best Homeowners Insurance in North Dakota for Veterans

For veterans and military families looking for home insurance in North Dakota, Agraria Insurance is the best provider.

  • Agraria Insurance: MoneyGeek score of 80 out of 100 ($792 per year)
  • North Star Mutual: MoneyGeek score of 74 out of 100 ($759 per year)

The top homeowners insurance company for veterans caters specifically to the unique scenarios they face, such as frequent moves and deployment. These insurers ensure ongoing protection for veterans' homes and belongings regardless of their situation.

Best for VeteransAgraria Insurance
MoneyGeek Score:
77/ of 100
Overview

Agraria Insurance shines as the best home insurance provider for veterans in North Dakota. Among its coverage options, building ordinance or law stands out, offering additional protection that covers the cost of bringing your property up to current building codes during repairs.

V\eterans can benefit from generally available savings like bundling policies or making homes safer with approved devices, which could lead to reasonable reductions in premiums.

How to Find the Best Homeowners Insurance in North Dakota for You

The best homeowners insurance balances exceptional customer service and coverage with affordable premiums. Tailoring an insurance plan to fit your specific needs is critical in finding the best policy for you. Let's outline the steps to guide you through this important process.

  1. 1

    Assess Your Insurance Needs

    Evaluate the extent of home insurance coverage you'll require to protect your home and belongings. Consider the replacement costs, the value of your personal items and special coverage for high-value items.

  2. 2

    Research Various Providers

    Invest time to investigate potential insurance companies. Look for their financial stability, customer reviews, claims satisfaction and overall reputation. Local providers may also offer advantages, so include them in your search.

  3. 3

    Compare Coverage and Costs

    After shortlisting possible insurers, analyze the costs and benefits each offers. You'll want to consider premiums, deductibles, and coverage limits. Make sure you're comparing equivalent coverage levels to make an informed decision. To streamline this process, utilize tools that compare home insurance quotes.

  4. 4

    Understand the Policy Details

    Scrutinize the nuances of each policy. Know what is included and excluded, understand the claim process, and ensure you are familiar with terms like actual cash value and replacement cost. Know what your policy entails before committing.

  5. 5

    Consult with an Independent Agent

    Lastly, seeking advice from an independent insurance agent can be invaluable. They can offer personalized recommendations, help you navigate complex options, and may uncover discounts or options you hadn't considered.

FAQ: Homeowners Insurance in North Dakota

Choosing the best homeowners insurance provider in North Dakota hinges on your unique requirements. As you navigate this decision, consider the answers to common questions to ensure you're well-informed and ready to make a choice that best suits your situation.

Which insurance comapny is best for home insurance in North Dakota?

Who has the most affordable homeowners insurance in North Dakota?

About Mark Fitzpatrick

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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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