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North Dakota Home Insurance

North Dakota home insurance protects your invest with the much needed property damage coverage. There are a few different policies to choose from and many different options with your North Dakota homeowners insurance. For instance, the basic HO-2 policy covers damages caused by fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. The more popular HO-3 policy offers additional bodily injury liability coverage for your home, as well as additional property damage coverage. If you have bought a home with the help of a mortgage lender, they usually require you to carry North Dakota home insurance for the duration of your loan.

North Dakota Home Insurance Coverage

In North Dakota homeowners must be prepared for strong winter storms, falling objects, fires, and many other perils. If your home runs the risk of flood, then you will need added flood insurance to cover any damage. The North Dakota home insurance will not cover flood damage. The weight of heavy snow can cause damage to a home, as well as ice and hail. For this reason, rates can be higher in certain areas, depending on the prevalence of strong storms.

North Dakota Home Insurance Rates

With heavier snowfalls and increasing claims in North Dakota, the rates have gone up in the past two years. The North Dakota home insurance rates were still below the national average in 2003. Homeowners spent an average of $625 for an annual premium in 2003. The state’s average did rise a whopping 35% from 2001 to 2003.

When many homeowners buy their property in North Dakota, they first consider their surroundings and the perils evident. North Dakota home insurance can be more expensive in one county as compared to another. Many homeowners find reduced rates for their policy when they buy more than one insurance policy through their provider. It is always good practice to shop around before settling on one policy.

North Dakota Department of Insurance

State Capitol, Fifth Floor
600 East Boulevard Avenue
Bismarck, ND 58505-0320
Phone: (701) 328-2440


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