Best Homeowners Insurance in North Dakota (2024)

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.

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.

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.

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.

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.

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.

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.

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.

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.