Best Homeowners Insurance in North Dakota (2026)

American Family has North Dakota’s most affordable home insurance, at $1,897 a year. Its replacement cost coverage on personal property pays what it costs to replace items today, with no depreciation deducted. Its policies cover severe weather damage such as wind, hail and heavy snow, which matters in North Dakota’s harsh winters and unpredictable storms.

An American Family home policy in North Dakota costs $1,897 a year, about 16% less than the $2,256 state average. Bundle your policies or add a home security system, and you can bring the price down further.

J.D. Power gave American Family 643 out of 1,000, essentially level with the 642 industry average. You can work with a local agent in North Dakota and handle your policy online too, so you aren’t forced to pick one or the other.

You can add any of these options to an American Family homeowners policy:

• Equipment breakdown: Covers appliances, home systems and smart devices that fail mechanically or electrically
• Flash flood: Covers inland flooding and the water damage that follows
• Hidden water damage: Covers leaks behind walls, floors, ceilings and cabinets
• Home renovation: Covers foundation collapse and stolen building materials while you renovate
• Matching undamaged siding: Replaces undamaged siding so the whole house matches
• Roof damage: Closes the gap between your roof’s depreciated value and its replacement cost
• Service line: Fixes or replaces damaged underground pipes and wiring
• Sewer backup, septic backup and sump overflow: Pays for repairs when water backs up into your home
• Scheduled personal property: Gives jewelry, gemstones, watches and furs higher limits

Agraria charges $1,654 a year for home insurance. If you live in a rural area and own barns or other farm buildings, its policies go beyond a standard residential plan by covering those structures. They also protect against the severe weather North Dakota gets.

An Agraria home policy costs $1,654 a year, about 27% less than the $2,256 state average. Bundle your policies or add a home security system, and you can bring the price down further.

Agraria has no J.D. Power score, so you can’t hold it up against the 642 industry average. You’ll work with a local independent agent who knows what North Dakota homeowners deal with, and you can also request a quote online.

You can add any of these options to an Agraria homeowners policy:

• Equipment breakdown: Fixes or replaces home systems and appliances that break down
• Water backup: Pays when a sewer or drain backs up into your home
• Identity theft protection: Helps pay to recover from identity theft
• Service line coverage: Repairs the utility lines between your home and the street
• Scheduled personal property: Gives jewelry and other valuables extra protection
• Inland flood: Covers some flooding that a standard policy leaves out
• Green upgrades: Helps you replace damaged items with eco-friendly ones
• Cyber protection: Covers cyber attacks and online fraud
• Umbrella coverage: Raises your liability protection beyond standard limits

At $1,953 a year, COUNTRY Financial costs about 13% less than the North Dakota average. If your belongings are damaged, replacement cost coverage pays what it takes to replace them, with nothing taken off for age. The policy also covers storm damage, which matters in a state with hard winters and sudden storms.

A COUNTRY Financial home policy in North Dakota costs $1,953 a year, about 13% less than the $2,256 state average. Bundle your policies or add a home security system, and you can bring the price down further.

COUNTRY Financial has no J.D. Power score, so you can’t hold it up against the 642 industry average. You’ll deal mostly with a local agent. If you like sitting down with a person, that suits you, but if you want strong online tools, you may be disappointed.

You can add any of these options to a COUNTRY Financial homeowners policy:

• Equipment breakdown: Fixes or replaces home systems and appliances that fail mechanically
• Water backup: Pays when a sewer or drain backs up into your home
• Identity theft protection: Covers recovery costs and gives you help getting your identity back
• Service line coverage: Repairs the underground lines that connect to your home
• Scheduled personal property: Gives jewelry, art and other valuables higher limits
• Inland flood: Covers some flooding away from the coast
• Green upgrades: Helps you rebuild with eco-friendly materials after a covered loss
• Cyber protection: Covers cyber incidents and data breaches
• Umbrella coverage: Raises your liability protection beyond standard limits

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.

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

A State Farm policy in North Dakota costs $2,726 a year. If a covered loss hits, replacement cost coverage pays what it costs to rebuild today, up to your limit, and your belongings are covered against storms like wind, hail and heavy snow. If you want a local agent who understands the state’s weather, State Farm is a good match.

A State Farm home policy in North Dakota costs $2,726 a year, about 21% more than the $2,256 state average. Bundle your policies or add a home security system, and you can bring the price down.

J.D. Power gave State Farm 657 out of 1,000, which beats the 642 industry average. In North Dakota, you can sit down with a local agent or buy straight from the company. Quotes and claims work online, but the mobile app offers less than some digital-first rivals’ apps.

You can add any of these options to a State Farm homeowners policy:

• Personal articles policy: Protects jewelry, art and collectibles from more kinds of loss than a standard policy
• Umbrella policy: Adds liability protection beyond your homeowners and auto limits
• Service line coverage: Fixes underground utility lines on your property
• Sewer backup coverage: Covers damage and cleanup if a sewer backs up into your home
• Energy efficiency upgrade: Helps you replace damaged systems with energy-efficient ones
• Identity fraud protection: Helps pay to restore your identity after theft