Homeowners Insurance in North Dakota

Homeowners insurance in North Dakota helps residents in the Peace Garden State protect their homes and personal belongings. From winter storms to wildfires, there are many risks North Dakota homeowners face throughout the year. That’s why you need the right homeowners insurance to stay protected through it all.

Get the peace of mind you deserve through the AARP^® Homeowners Insurance Program from The Hartford.¹ Since 1984, this program has been helping AARP members get home insurance coverage to protect their home and personal property from damage.

Homeowners Coverage Options in North Dakota

The Hartford’s homeowners insurance policies come with a wide array of coverages to help give homeowners the protection they need:

Personal liability coverage helps protect you against claims alleging that you caused someone else’s injury or property damage.

Dwelling coverage is the part of your homeowners insurance policy that covers your home and its attached structures. With dwelling coverage, your home’s roof, walls and electrical wiring are all protected if they get damaged by a covered loss.

Other structures coverage helps protect structures that aren’t attached to your home, like a detached garage or shed.

Personal property coverage helps cover your personal belongings such as furniture, appliances and clothing.

Loss of use coverage helps pay for your temporary living expenses, up to your policy limits, if you can’t live in your home after it’s damaged by a covered loss.

Medical payments coverage helps pay for medical expenses, up to policy limits, if someone who isn’t a resident of your household is injured on your property.²

Additional Coverages for North Dakota Home Insurance

Valuable items blanket coverage provides extra coverage for your valuable items like jewelry, china and silverware. While your homeowners policy may cap coverage for theft on jewelry up to $1,500, The Hartford’s Valuable Items Blanket Coverage can increase the limit to $10,000 per item.
Homeowners equipment breakdown coverage helps cover mechanical or electrical breakdowns of your appliances and electronics. This benefit also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. However, normal wear and tear is excluded from this coverage.
Rental property insurance helps protect you if you’re a landlord for rental units.

Keep in mind that water damage caused by flooding won’t be covered by a standard home insurance policy. Instead, you’ll need to purchase a separate flood insurance policy to stay protected.***

How Much Is Homeowners Insurance in North Dakota?

couple protected by north dakota home insurance

On average, homeowners insurance in North Dakota costs $2,475 per year, or $206 per month.³However, homeowners insurance rates are different for each person. The price you pay for home insurance may be influenced by factors like your:

Location
Home’s construction
Home’s age
Replacement cost
Coverage amount

Common Home Insurance Discounts in North Dakota

With the AARP Homeowners Insurance Program from The Hartford, you’ll have access to several homeowners insurance discounts to help you save on your premiums. For example, you can be eligible for discounts when you:

Bundle your insurance policies with The Hartford, which can help you save up to 12% on your auto insurance and 20% on your home, condo or renters insurance.^**
Install home security systems, like burglar alarms.
Increase your home’s fire protection by installing sprinkler systems.

Is Homeowners Insurance Required in North Dakota?

couple researching homeowner insurance north dakota

Homeowners insurance is not required by North Dakota state law, but you may be required to get coverage if you have a mortgage on your home.

Get a Free Quote for North Dakota Homeowners Insurance

The Hartford is a trusted auto and home insurance company backed by 200 years of experience. With our high ratings for customer and claims service, you can count on The Hartford to be there when you need us most. To learn more about the savings and benefits available to you through the AARP Homeowners Insurance Program from The Hartford, get a quote online or call 877-422-2345.

Learn more about other insurance coverages available in your state, like North Dakota car insurance.

Last Updated: August 20, 2024

² Medical benefits are calculated on the basis of usual, customary and reasonable charges.

³ Bankrate, “Average homeowners insurance cost in August 2024”

*** This is an optional coverage and may not be available in all states.