Best Homeowners Insurance in North Dakota (2026)

American Family earned the top spot in our review of North Dakota's best home insurance providers with a MoneyGeek score of 4.6 out of 5.

See if you're overpaying for home insurance below.

Written by Mark Fitzpatrick

Updated: February 1, 2026

Advertising & Editorial Disclosure

Key Takeaways: North Dakota Home Insurance Providers

Our 2026 research found the top three home insurance companies in North Dakota are American Family, Agraria and COUNTRY Financial.

American Family offers the highest-quality homeowners insurance in North Dakota, with the lowest average annual premium at $$1,897.

Flooding threats from heavy rainfall and snowmelt drive up North Dakota premiums. Compare quotes to find comprehensive protection at competitive rates.

5 Best Home Insurance Companies in North Dakota

American Family is the best home insurance company for most North Dakota homeowners with affordable rates and strong customer experience. The top five companies earned high ratings in our affordability, customer experience and coverage categories:

American Family
Agraria
COUNTRY Financial
Auto-Owners
State Farm


American Family	4.62	4	3	3
Agraria Insurance	4.64	2	6	1
COUNTRY Financial	4.47	5	1	7
Auto-Owners Insurance	4.44	6	2	4
State Farm	4.31	7	4	2

*Our ratings consider different combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile. The tables below follow the same methodology.

American Family Insurance

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.8/5Customer Experience

3.6/5Coverage

Average Annual Premium
$1,897
Average Monthly Premium
$158
J.D. Power Customer Satisfaction Score
643/1,000

pros
- Customer satisfaction score beats industry average in J.D. Power rankings
- Local agents offer personalized service across North Dakota
- Flexible coverage options let you customize your policy
cons
- Not available in all North Dakota areas
- Coverage gaps exist in some rural regions
- Service limitations may affect homeowners in certain locations
American Family offers North Dakota's most affordable home insurance at $1,897 annually. The insurer covers personal property at replacement cost, so you can replace lost items without depreciation deductions. Its policies protect against severe weather, critical for North Dakota's harsh winters and unpredictable storms.

American Family charges $1,897 per year for home insurance in North Dakota, 16% less than the state average of $2,256. You'll save more by bundling multiple policies or installing a home security system.


Older Homes	$1,881	$157
Newer Homes	$1,455	$121
Young Homeowners	$1,916	$160
Senior Homeowners	$1,905	$159
High-Risk Fire Homes	$2,126	$177
Smaller Homes	$1,751	$146
Larger Homes	$1,941	$162

American Family scored 643 out of 1,000 points in J.D. Power's customer satisfaction study, just above the industry average of 642. Local independent agents provide personalized service for North Dakota homeowners. You can also manage your policy through American Family's online platform, combining traditional agent support with digital convenience.
American Family provides standard homeowners coverage with optional add-ons:
- Equipment breakdown: Covers damage to appliances, home systems and smart devices from mechanical or electrical failures
- Flash flood: Protects against inland flooding and water damage
- Hidden water damage: Covers leaks within walls, floors, ceilings and cabinets
- Home renovation: Protects against foundation collapse and theft of construction materials during renovations
- Matching undamaged siding: Reimburses replacement of undamaged siding so everything matches
- Roof damage: Covers the difference between your roof's depreciated value and replacement cost
- Service line: Pays for repairing or replacing damaged underground piping or wiring
- Sewer backup, septic backup and sump overflow: Covers repairs from water backing up into your home
- Scheduled personal property: Increases coverage limits for jewelry, gemstones, watches and furs

Agraria Insurance

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

3.9/5Customer Experience

5/5Coverage

Average Annual Premium
$1,654
Average Monthly Premium
$138
J.D. Power Customer Satisfaction Score
N/A

pros
- High financial stability ratings mean reliable claims payment
- Add-on coverage options protect specialized needs
- Digital tools simplify policy management
cons
- Not available in all North Dakota areas
- Rural regions may have limited access
- Coverage options vary by location
Agraria offers home insurance at $1,654 annually. The insurer covers agricultural structures, critical for rural homeowners who need more than standard residential protection. Agraria's policies protect against severe weather, addressing North Dakota's harsh climate that damages homes year-round.

Agraria charges $1,654 per year for home insurance, 27% less than the state average of $2,256. You'll save more by bundling policies or installing a home security system.


Older Homes	$1,708	$142
Newer Homes	$1,364	$114
Young Homeowners	$1,660	$138
Senior Homeowners	$1,645	$137
High-Risk Fire Homes	$1,853	$154
Smaller Homes	$1,625	$135
Larger Homes	$1,706	$142

Agraria doesn't have a J.D. Power score (industry average: 642 points). The company works through local independent agents who understand North Dakota homeowners' challenges. You can also get quotes through Agraria's online tool.
Agraria provides standard homeowners coverage with optional add-ons:
- Equipment breakdown: Covers repair or replacement of damaged home systems and appliances
- Water backup: Protects against sewer or drain backup damage
- Identity theft protection: Covers identity theft recovery expenses
- Service line coverage: Covers utility line repairs from your home to the street
- Scheduled personal property: Adds coverage for high-value items like jewelry
- Inland flood: Covers flooding not included in standard policies
- Green upgrades: Covers environmentally friendly replacements after a covered loss
- Cyber protection: Covers losses from cyber attacks and online fraud
- Umbrella coverage: Adds liability protection beyond standard policy limits

Country Financial

MoneyGeek Rating

4.5/ 5

4.8/5Affordability

5/5Customer Experience

2.3/5Coverage

Average Annual Premium
$1,953
Average Monthly Premium
$163
J.D. Power Customer Satisfaction Score
N/A

pros
- Local agents offer personalized service across North Dakota
- Rates stay close to state average
- Cheapest coverage among reviewed insurers
cons
- Not available in all North Dakota areas
- Digital tools lag behind national competitors
- Rural regions may have limited access
COUNTRY Financial offers home insurance at $1,953 annually. The insurer covers personal property at replacement cost, so you recover full value after a loss instead of depreciated amounts. COUNTRY Financial protects against severe weather damage from North Dakota's intense storms and extreme conditions.

COUNTRY Financial charges $1,953 per year for home insurance in North Dakota, 13% less than the state average of $2,256. You'll save more by bundling policies or installing a home security system.


Older Homes	$1,984	$165
Newer Homes	$1,425	$119
Young Homeowners	$1,959	$163
Senior Homeowners	$1,944	$162
High-Risk Fire Homes	$2,188	$182
Smaller Homes	$2,102	$175
Larger Homes	$2,102	$175

COUNTRY Financial doesn't have a J.D. Power score (industry average: 642 points). Local independent agents handle most customer interactions, which works well if you prefer face-to-face service but less so if you want robust online tools. The company prioritizes personal agent relationships over digital self-service.
COUNTRY Financial provides standard homeowners coverage with optional add-ons:
- Equipment breakdown: Covers repair or replacement of home systems and appliances after mechanical failure
- Water backup: Covers damage from water backing up through sewers or drains
- Identity theft protection: Covers identity theft recovery expenses and assistance
- Service line coverage: Covers underground service line repairs connecting to your home
- Scheduled personal property: Adds coverage for valuable items like jewelry or art beyond standard limits
- Inland flood: Covers flooding away from coastal areas
- Green upgrades: Covers environmentally friendly material upgrades after a covered loss
- Cyber protection: Covers losses from cyber incidents and data breaches
- Umbrella coverage: Adds liability protection beyond standard policy limits

Auto-Owners

MoneyGeek Rating

4.4/ 5

4.4/5Affordability

4.9/5Customer Experience

3.5/5Coverage

Average Annual Premium
$2,649
Average Monthly Premium
$221
J.D. Power Customer Satisfaction Score
621/1,000

pros
- High AM Best ratings show strong financial stability
- Local agents provide personalized service across North Dakota
- Strong finances ensure reliable claims payment
cons
- Rates run 17% above North Dakota average
- Customer satisfaction scores below industry average
- Claims processing sometimes slower than competitors
Auto-Owners offers home insurance rates for North Dakota at $2,649 annually. The insurer covers wind and hail damage, critical protection for North Dakota's severe weather. Auto-Owners covers personal property at replacement cost, so you can replace lost items at current prices. This insurer works best for homeowners who prioritize weather-specific coverage and local agent service over digital tools.

Auto-Owners charges $2,649 per year for home insurance in North Dakota, 17% more than the state average of $2,256. You'll save by bundling policies or installing a home security system.


Older Homes	$2,858	$238
Newer Homes	$2,361	$197
Young Homeowners	$2,639	$220
Senior Homeowners	$2,667	$222
High-Risk Fire Homes	$2,968	$247
Smaller Homes	$2,607	$217
Larger Homes	$2,738	$228

Auto-Owners scored 621 out of 1,000 points in J.D. Power customer satisfaction ratings, below the industry average of 642. Local independent agents handle most customer service, offering face-to-face guidance and local expertise. You'll get less robust digital tools than national insurers provide.
Auto-Owners provides standard homeowners coverage with optional add-ons:
- Guaranteed home replacement cost: Replaces your home even if costs exceed your coverage limit
- Water backup of sewers or drains: Covers damage from backed-up sewers or drains with multiple limit options
- Special personal property: Covers personal items for loss, misplacement, staining or defacing
- Ordinance or law: Pays to bring your home up to current building codes after covered damage
- Homeowners Plus: Includes household appliance leak coverage, increased food spoilage limits, limited fungi coverage and automatic inflation protection
- Equipment breakdown: Covers electrical and mechanical failures of air conditioners, heating units, computers and major appliances
- Identity theft expense: Covers up to $15,000 for expenses to restore your financial identity
- Home cyber protection: Covers professional help to recover stolen or corrupted data, restore device functionality and legal counsel
- Inland flood: Covers homes in low-to-moderate flood zones for home damage, contents, debris removal and additional living expenses

State Farm

MoneyGeek Rating

4.3/ 5

4.4/5Affordability

4.5/5Customer Experience

3.8/5Coverage

Average Annual Premium
$2,726
Average Monthly Premium
$227
J.D. Power Customer Satisfaction Score
657/1,000

pros
- Customizable coverage options fit different needs
- J.D. Power score beats industry average
- Local agents offer personalized service
cons
- Rates run above state average
- Not available in all North Dakota areas
- Direct purchase lacks personalized agent support
State Farm charges $2,726 annually for North Dakota home insurance and covers home replacement at current costs without depreciation deductions. The insurer's personal property protection handles severe weather damage common in North Dakota. State Farm works best for homeowners who want comprehensive coverage and local agent service from professionals familiar with the state's weather risks.

State Farm charges $2,726 per year for home insurance in North Dakota, 21% more than the state average of $2,256. You'll save by bundling policies or installing a home security system.


Older Homes	$2,773	$231
Newer Homes	$2,005	$167
Young Homeowners	$2,736	$228
Senior Homeowners	$2,713	$226
High-Risk Fire Homes	$3,055	$255
Smaller Homes	$2,683	$224
Larger Homes	$2,817	$235

State Farm scored 657 out of 1,000 points in J.D. Power ratings, above the industry average of 642. You can work with local independent agents or buy direct. State Farm offers online tools for quotes and claims management, though its mobile app lags behind digital-focused competitors.
State Farm provides standard homeowners coverage with optional add-ons:
- Personal articles policy: Covers high-value items like jewelry, art or collectibles against more risks than standard policies
- Umbrella policy: Increases personal liability protection beyond homeowners and auto policy limits
- Service line coverage: Pays for underground utility line repairs on your property
- Sewer backup coverage: Covers water damage and cleanup from sewer backups starting inside your home
- Energy efficiency upgrade: Adds funds to upgrade damaged systems to energy-efficient models
- Identity fraud protection: Covers costs to restore your identity after theft

Compare the Best North Dakota Home Insurance Companies by City

Home insurance rates in North Dakota vary between rural areas and cities like Fargo and Bismarck. We identified the top-rated insurer for major cities based on affordability, customer satisfaction and coverage options.


Adams	American Family	$1,869
Fargo	Agraria Insurance	$1,578
Grand Forks	American Family	$1,729
Willow City	American Family	$1,921

How Much Is North Dakota Home Insurance?

Coverage levels create major differences in North Dakota home insurance costs, with $500,000 in dwelling protection running $3,971 versus just $1,215 for $100,000 coverage. The state averages $2,256 annually, but rates vary based on your home and personal profile. Your credit score drives the biggest difference, with poor credit pushing premiums to $3,917 while excellent credit homeowners pay around $1,523 yearly.


Overall average	$2,256	$188
$100,000 dwelling coverage	$1,215	$101
$500,000 dwelling coverage	$3,971	$331
Older homes (1980)	$3,789	$316
Newer homes (2020)	$2,829	$236
Homeowner age 20–40	$4,022	$335
Seniors 61+	$4,053	$338
Recent Claim	$4,723	$394
Excellent Credit	$1,523	$127
Poor Credit	$3,917	$326

How to Find the Best Home Insurance in North Dakota

North Dakota's hail damage and severe weather risks require coverage that protects your investment. Compare quotes from multiple insurers to find affordable protection against common hazards in your area.

1
Decide on Coverage Needs Before You Buy
Calculate your home's replacement cost and evaluate North Dakota's natural disaster risks. Wildfire threatens foothills communities, hail strikes along the Front Range and flash floods hit mountain drainage areas. Your coverage should match your home's value, personal property and liability needs while accounting for North Dakota's high rebuilding costs
2
Research Costs and Discounts
North Dakota home insurance averages $4,074 annually. Bundle your home and auto policies to save 15% to 25% on premiums. Get discounts for monitored security systems, fire-resistant roofing and hail-resistant shingles. Impact-resistant windows and roof updates qualify you for more savings while reducing hail damage.
3
Evaluate Provider Reputation and Coverage Options
Check customer satisfaction scores and claims handling reputation before choosing an insurer. Look for North Dakota-specific coverage: wildfire protection, water backup from snowmelt and service line coverage for freeze-thaw damage. Extended replacement cost coverage pays full rebuilding costs even when they exceed your policy limit due to material shortages or labor increases.
4
Explore Alternative Coverage Types
Inland flood coverage protects against flash flood damage without a separate National Flood Insurance Program policy. Equipment breakdown coverage protects HVAC systems during North Dakota's temperature extremes. Mountain vacation homes and short-term rentals need specialized policies for their unique risks.
5
Get Multiple Quotes
Compare quotes from at least three insurers; rates vary between providers. Shop through direct insurers, independent agents and online platforms. Request quotes with identical coverage limits and deductibles for accurate comparisons. Ask about discounts for fire-resistant materials and protective devices common in North Dakota homes.

REVIEW YOUR HOMEOWNERS INSURANCE COVERAGE ANNUALLY

Update your dwelling coverage annually to match rising construction costs and your home's current replacement value. North Dakota's severe hail risk and housing market shifts mean your coverage needs change over time. Review your policy each year and shop for new quotes, especially after home improvements.

Top-Rated North Dakota Home Insurance Companies: Bottom Line

American Family, Agraria and COUNTRY Financial lead North Dakota's home insurance market with strong financial ratings and comprehensive coverage options. Get quotes from these insurers and prioritize protection against hail damage and flash floods to cover rebuilding costs and liability expenses.

Best Home Insurers in North Dakota: FAQ

Common questions North Dakota homeowners ask when shopping for home insurance:

Does home insurance cover flood damage to home?

No, standard home insurance policies don't cover flood damage. You need separate flood insurance through the National Flood Insurance Program (NFIP) or private insurers. Buy this coverage before flood events occur; policies include waiting periods before they take effect.

How much home insurance coverage do I need?

Your dwelling coverage should equal the full cost to rebuild your home, not its market value. Inventory your belongings to determine the amount of personal property coverage. Get a professional appraisal or use construction cost calculators to establish accurate rebuild estimates.

How does North Dakota's tornadoes affect home insurance rates?

Tornadoes increase North Dakota home insurance premiums by increasing property damage risks and resulting in more costly claims. Western and central regions face the most tornado exposure. You'll get discounts by installing impact-resistant roofing, reinforced windows and safe rooms; these protect your property while cutting insurance costs.

What's the difference between replacement cost and actual cash value coverage?

Replacement cost coverage pays to replace damaged items with new ones at current prices. Actual cash value coverage compensates you for depreciated worth. If your five-year-old television is destroyed in a fire, replacement cost buys you a new TV. Actual cash value only covers what your used television was worth when it was damaged.

How We Determined the Best Home Insurance Companies in North Dakota

Our analysis identifies which insurers balance affordability with coverage for North Dakota-specific risks. We evaluated home insurance providers across three weighted factors that determine value for North Dakota homeowners.

Affordability (55%): We analyzed rates for different home types, credit tiers and risk levels. Providers earned higher scores for competitive pricing and extensive discounts. Cost carries the heaviest weight because premiums determine whether you can maintain coverage long-term. North Dakota's high rebuilding costs and frequent hail claims make affordable coverage important.

Customer satisfaction (30%): We reviewed ratings from Trustpilot, app stores and J.D. Power surveys covering the buying process, policy management and claims handling. These ratings show which companies deliver consistent service throughout your relationship, not just competitive quotes. Claims experience matters most when wildfire or hail damage strikes and you need prompt payment and clear communication.

Coverage options (15%): We assessed add-on availability, unique features and state access. More flexibility lets you tailor policies to North Dakota needs like wildfire coverage, water backup from snowmelt and equipment breakdown coverage for HVAC systems in temperature extremes. Standard policies don't always address North Dakota's specific hazards without customization.

Our Sample Profile

Costs reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible. This profile represents typical North Dakota homeowners balancing comprehensive coverage with manageable premiums.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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