North Dakota home insurance

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.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

• Alarm System
• Multi-policy
• Quote in Advance
• New Purchase

See more about the home insurance discounts we offer.

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