How you're covered
North Dakota doesn't require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:
- Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
- Other structures coverage protects detached structures, such as a fence or shed.
- Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
- Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
- Medical payments to others pays for medical expenses due to a covered occurrence.
- Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It’s important to read your policy to understand the coverage provided.
Learn more about homeowners insurance coverages.
Common claims in North Dakota
Water damage claims (including freezing) are the second most common claim on homeowners insurance nationwide and may be higher in North Dakota due to the extreme winter temperatures. Your homeowners policy may cover damage, up to your policy's limits, from frozen pipes that burst.
Learn more about how home insurance may cover damage from severe weather.
North Dakota experiences flooding in every county in the state, and floods occur with increased frequency in the eastern portion of the state. Your homeowners insurance doesn't cover flooding from an outside source, so you'll need a separate flood insurance policy to protect your property and belongings against flood damage.
Helping you save
Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:
- Alarm System
- Quote in Advance
- New Purchase
See more about the home insurance discounts we offer.
Progressive's Home Quote Explorer® tool makes it easy to compare rates and coverages from multiple companies.
How much is homeowners insurance in North Dakota?
Your cost for North Dakota homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.
Are you looking to rent out a home you've purchased in North Dakota?
If you own a rental property in North Dakota, get the right insurance policy to protect it. Learn more about landlord policies and insurance for vacation or vacant homes.
Fast facts about homes in North Dakota
One of North Dakota's most impressive and historic homes is the Chateau de Mores, home of Antoine de Vallombrosa, the Marquis of Mores.
North Dakota's homeownership rate is around 63.5%, a bit below the national average.
Between 2016-2020, the median value of owner-occupied housing units in North Dakota was $199,900.
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