Overall, Country Financial is the best home insurance company in North Dakota. It’s also the best for customer service or if you are on a budget. However, State Farm is the best insurer if you have an expensive home or want to bundle policies.
MoneyGeek’s unique scoring system identified the best insurance providers in North Dakota for different types of homeowners. We also reviewed their available coverages and discounts to help you find the best option.
If you’re more concerned with savings than service quality, MoneyGeek also analyzed the cheapest home insurance companies in North Dakota.
The Best Homeowners Insurance in North Dakota
The Best Overall Homeowners Insurance Companies in North Dakota
While it isn’t mandatory, homeowners insurance is essential to protect your personal residence from the unexpected. If you’re looking for the best coverage, MoneyGeek scored the top-rated insurers in North Dakota based on affordability, financial stability, customer satisfaction and claims reputation.
According to our scoring system, the best home insurance companies in North Dakota are:
- Country Financial: MoneyGeek score of 92 out of 100
- Allstate: MoneyGeek score of 87 out of 100
MoneyGeek evaluated why Country Financial and Allstate scored the highest, noting the unique coverages and discounts offered by both insurers.
The Top Home Insurance Companies in North Dakota
Country Financial is the best overall home insurer in North Dakota. It ranked first in customer satisfaction, tied for second in financial stability and second in affordability. The company has an average annual rate of $1,428 and offers optional coverages, like earthquake coverage.
Country Financial has optional coverages that you can add on to your homeowners insurance policy. One of them is earthquake coverage, which is rarely offered by other competitors. Country Financial also provides various discounts, such as for policyholders enrolling in paperless billing or paying their insurance in full for the year.Read MoneyGeek's Country Financial home Insurance Review
As the second-best home insurance company in the state, Allstate ranked first in affordability, tied for second in financial stability and ranked fifth in customer satisfaction. Its policies cost an average of $1,238 per year. The insurer offers unique coverages, like mold coverage.
Allstate policyholders can get uncommon add-on coverages for their home insurance. They may purchase mold coverage, which protects against mold and fungus damage. Another rare coverage policyholders can add to their policy is yard and garden coverage. This increases coverage limits for the cost of items such as trees and lawn mowers. Customers can also enjoy discounts from Allstate if they are a recent homebuyer or have a good payment history.Read MoneyGeek's Allstate home Insurance Review
MoneyGeek collected quotes from home insurance companies across the country and balanced them against property claims ratings and customer satisfaction scores from J.D. Power. The scores were used to determine the best home insurance nationally and in North Dakota.
Keep in mind that your rates and customer experience may vary depending on your circumstances. You can review MoneyGeek’s methodology to learn more.
The Best Homeowners Companies in North Dakota for Service Quality
If you want great service quality regardless of cost, MoneyGeek rated the best home insurance companies in North Dakota based entirely on customer satisfaction and claims experience.
We found that the top insurers in the state are:
- Country Financial: MoneyGeek score of 90 out of 100
- Auto-Owners Insurance Co: MoneyGeek score of 89 out of 100
MoneyGeek broke down why Country Financial and Auto-Owners Insurance Co scored the highest. We also cited some of the unique coverages and discounts they offer their customers.
The Top Home Insurance Companies in North Dakota for Quality Service
Country Financial received high scores for both customer satisfaction and claims ratings. This means that policyholders are guaranteed to get high-quality policies, processes and an exceptional claims filing experience.
While Country Financial mostly offers common add-on coverages, it scores well for balancing cost and service quality. Some of the optional coverages available include scheduled personal property coverage and back-up of sewer or drain coverage. The former provides separate enhanced protection for your valuables, while the latter protects you from water damage caused by sewer back-up.Read MoneyGeek's Country Financial home Insurance Review
Auto-Owners Insurance Co ranked second-best in North Dakota for service quality. It scored higher in claims ratings than in customer satisfaction, which means the company provides its customers with a great service experience if they need to file a claim.
Auto-Owners Insurance Co offers rare optional coverages, including specialty vehicle coverage. This is ideal for homeowners with boats or other off-road vehicles. The company also has equipment breakdown coverage, which covers electrical and mechanical failures of your major appliances.Read MoneyGeek's Auto-Owners Insurance home Insurance Review
The Best Homeowners Companies in North Dakota on a Budget
The cost of home insurance is one of the main factors you can consider when shopping for a policy. If you’re on a budget, MoneyGeek scored the best home insurance companies in North Dakota based on their affordability.
The two companies with the most affordable policies in the state are:
- Country Financial: MoneyGeek score of 94 out of 100
- Allstate: MoneyGeek score of 93 out of 100
Country Financial offers homeowners insurance at roughly $1,428 per year, while Allstate policies cost an average of $1,238 per year.
MoneyGeek evaluated why Country Financial scored the highest for homeowners on a budget. Additionally, we noted some of the unique coverages and discounts offered by this insurer.
The Top Home Insurance Companies in North Dakota on a Budget
Affordable home insurance coverage at $1,428 per year
Discounts include responsible payment, protective device and new home
Customer satisfaction rating is 4.50 out of 5
Country Financial is the best option for those looking for home insurance on a budget. It scored 4.85 out of 5 in affordability. Not only does the company offer affordable policies, but it also lets its customers save money using various opportunities. For instance, you can get a discount if your home is newly constructed or it has new or upgraded electrical wiring.
In addition to that, Country Financial gives rare discounts. For example, you can save money if your roof meets certain testing standards or you make your payments on time for three years.
The Best Homeowners Companies in North Dakota for Expensive Homes
Typically, luxury homes need additional coverage since they’re more expensive to rebuild. To make sure you have the best insurer, MoneyGeek scored the top providers by weighing the cost of home insurance with $2 million in coverage against customer satisfaction.
The best home insurance companies in North Dakota for expensive homes are:
- State Farm: MoneyGeek score of 84 out of 100
- Country Financial: MoneyGeek score of 83 out of 100
MoneyGeek broke down why State Farm scored the highest and noted its unique coverages that can help those who want to insure their expensive homes.
The Top Home Insurance Companies in North Dakota for High-Value Homes
Customer satisfaction rating of 4.09 out of 5
No extended reimbursement and contents replacement cost coverages
It ranked fourth out of the six companies evaluated in terms of affordability
State Farm ranked first in customer satisfaction for North Dakota residents with expensive homes. While its policies aren’t the most affordable, the company offers its policyholders a stellar customer service experience.
Some of the additional coverage options offered by State Farm are ideal for high-value homeowners. These include cyber event/ID theft and scheduled personal property coverages. Cyber event/ID theft coverage can reimburse you if your identity is used in fraudulent activities. Meanwhile, scheduled personal property coverage provides extra protection for your valuables.
The Best Homeowners Companies in North Dakota for Veterans
For military families, USAA is the best home insurance company in North Dakota. This insurer tailors its policies and services to active military members and veterans, providing them with options that best suit their needs.
USAA received a MoneyGeek score of 83 out of 100.
The Top Home Insurance Companies in North Dakota for Veterans
Insurance coverage is tailored to military families
Customer satisfaction rating of 4.08 out of 5
MoneyGeek affordability score of 4.17 out of 5
Not available if you don’t have a military background
USAA strikes the best balance between affordability and service quality, receiving high scores in both categories. Those with a military background can enjoy cheaper policies and great customer service.
One thing to note about USAA’s policies is that they come with contents replacement cost coverage, which covers the cost of replacing your belongings without depreciation. Additionally, you can purchase rare additional coverages, like home rental coverage. This protects you when you rent out a room or your entire house.
USAA policyholders may also receive discounts if they are claims-free for more than five years or have protective devices in their homes, such as home security systems and water sensors.
The Best Homeowners Companies in North Dakota for Bundling
Bundling policies with the same company is a great way to save money. If you’re a homeowner also looking for the best car insurance in North Dakota, MoneyGeek rated the top providers in the state.
The best home and auto bundle companies in North Dakota are:
- State Farm: MoneyGeek score of 82 out of 100
- Farmers: MoneyGeek score of 80 out of 100
You can receive a discount when you bundle your home and car insurance with the same company. This is also more convenient since you only have to pay one company.
The Top Home Insurance Companies in North Dakota for Bundling
Home insurance MoneyGeek score is 4.05 out of 5
Auto insurance MoneyGeek score is 4 out of 5
19% bundling discount
Bundling your home and car insurance is ideal for shoppers who want to save money. However, you’ll want to make sure your provider gives great rates and service for both types of policies. In North Dakota, State Farm is the best company for bundling, ranking third for home insurance and second for auto insurance. It gives a 19% discount to customers who bundle their policies together.
State Farm offers rare additional home insurance coverages, including energy efficiency upgrade coverage. If your heating or air conditioning unit needs replacement due to a covered loss, this coverage will pay for up to 150% of the loss associated with upgrading to a greener alternative.
Likewise, the company has unique optional coverages for auto insurance policyholders. Its rideshare insurance will make sure your medical, emergency roadside assistance and rental car reimbursement remain in effect while you’re working for a rideshare company.
How to Find the Best Home Insurance in North Dakota
When shopping for home insurance in North Dakota, you’ll want a provider that balances cost, service reputation and financial stability. MoneyGeek has done the research for you by gathering all the information you’ll need to make an informed decision. That said, you can still do your own research for companies not covered in this guide.
Research Customer Service Reputations in North Dakota
MoneyGeek already reviewed the customer service reputations of home insurers in North Dakota, but you can still look up the J.D. Power satisfaction scores and NAIC complaint ratios for other companies excluded in our evaluations. You can also visit the North Dakota Insurance Department’s website for your research.
Compare Quotes for Yourself
MoneyGeek used average quotes for sample homeowners in most of North Dakota. This means the rates shared don’t apply to everyone. When shopping for home insurance, it’s important to gather and compare quotes from at least three different providers to ensure you’re getting the best deal.
Make Sure the Company Has Coverages You Want in North Dakota
Not all of the coverages and discounts offered by insurers are provided in every state. This is why it’s important to confirm with insurance companies if they are offering the specific protections you need.
Double-Check Financial Stability Ratings
Insurance coverages and rates aren’t the only factors you need to consider when choosing a policy. A financially strong provider can pay you when you make a claim. Large insurance companies tend to have more financial stability, while regional companies in your state may have lower ratings.
FAQs About the Best Home Insurance in North Dakota
The best home insurance in North Dakota is the one that fits your needs and situation. To help you in your research, MoneyGeek answered some frequently asked questions about home insurance below.
MoneyGeek scores for homeowners insurance in North Dakota were calculated by using a scaled and weighted average of J.D. Power Property Claims and Customer Satisfaction Scores, real homeowners insurance quotes and financial stability ratings from A.M. Best. Our scoring system weighted J.D. Power scores 60%, affordability 30% and financial stability 10%, adjusting weightings in the sections focused on affordability and service experience specifically.
MoneyGeek analyzed homeowners insurance quotes from the top insurance companies in North Dakota that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across North Dakota. Quotes were gathered with an average home profile of 2,500 square feet, built in 2000, with an average dwelling coverage value of $250,000, liability coverage of $100,000 and personal property coverage of $100,000.
About Mark Fitzpatrick