North Dakota home insurance
Enter your ZIP code to start your custom quote
North Dakota homeowners insurance coverage
Homeowners in North Dakota face many challenges throughout the year. Harsh winters can bring frozen pipes, ice dams, and snow. Liberty Mutual understands the needs of North Dakota homeowners and offers customized homeowners insurance coverage to fit your specific situation.
What types of homeowners insurance coverages are recommended in North Dakota?
The following insurance coverage comes standard with any homeowners policy:
The following insurance coverages are recommended for homeowners in North Dakota:
Flood insurance: Homeowners insurance generally does not cover damage caused by floods, which can be a significant problem for communities along North Dakota’s many rivers, and those in the flat Red River Valley. Keep in mind that even if you are not in a flood zone, flooding frequently occurs outside of flood risk areas.
Liberty Mutual offers flood insurance in partnership with the National Flood Insurance Program (NFIP) under the Federal Emergency Management Agency (FEMA). While flood insurance needs to be purchased separately and is often optional, it may be required to secure a home loan if you live in a high-risk flood area.
- Personal property replacement cost: If your belongings are lost or damaged in a covered loss such as from theft or a fire, this coverage will cover the cost of brand-new replacement items.
Begin your free online quote
The following optional homeowners insurance coverages should be considered by all homeowners in North Dakota:
- Blanket Jewelry
- Escape of Water
- Inflation protection
Is homeowners insurance required by law in North Dakota?
No, homeowners insurance isn't required by law in North Dakota, but your mortgage company will most likely require it in order to get a loan.
What is the average cost of homeowners insurance in North Dakota?
The average cost of homeowners insurance in North Dakota is $1,924 per year according to NerdWallet.2 That’s 9% higher than the national average. However, this rate may be higher or lower for you depending on the value and age of your home, the coverage you select, your claims history, and a wide variety of other factors.
Still unsure about your homeowners insurance policy options?
Tell us your zip code and we'll suggest coverage options that may be a good fit for where you live in North Dakota.
Discounts that help you save
Online Purchase Discount
Bundle and Save
Newly Purchased Home
Ready to start a homeowners quote online?
Get a quote in minutes. Here’s what you’ll need:
- Basic information about your property
- Basic information about you, any co-owners, and occupants
- Ownership or mortgage status
- Details about your home’s construction and any safety features
- If you have an existing homeowners insurance policy