Property insurance in North Dakota will replace both your home and belongings. It also includes liability insurance against injuries or property damage family members or household pets cause. Property insurance also will cover temporary living expenses while you live away from home because of a natural disaster.

Property insurance in ND provides protection against fire, hurricanes, hail and lightning, in addition to other natural disasters specified in the policy. However, you will need a separate policy for earthquakes and floods, which a standard home insurance policy usually does not cover. Property insurance in ND will not cover losses that poor maintenance cause.

There are 3 key points that will affect the cost of North Dakota homeowner insurance:

1. Property insurance companies in North Dakota should also provide protection against ice, sleet and snow in their plans.

2. Effective loss-control measures can control the premium for North Dakota property insurance coverage. This most commonly refers to an alarm system.

3. Property insurance in North Dakota should allow you to replace detached structures in addition to rebuilding your house. These structures are typically covered up to a fixed percentage of the value of the house.

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of North Dakota homeowners insurance

Obtaining multiple quotes from different sources can be an effective method of identifying the general terms of these policies and the premiums you can expect to pay.

I recommend: Complete the form for your home at Insure.com to get quotes for home insurance. Most Choice specializes in property insurance and allows you to search for quotes by zip code.

Find ND property insurance brokers who represent major carriers

Locate a ND property insurance company through an agency that represents a major carrier in the state and who can make a recommendation based on the specific needs of your situation.

I recommend: Nationwide has agents throughout the country and has an agent search capability by name or location. Go to Allstate and search for in a given location. This website also allows you to search for agents by name.

Get a North Dakota property insurance policy from a local agent

Contact property insurance companies in North Dakota rather than dealing with different national insurers. Often, a local agent can write a more customized plan for you. This method allows you greater flexibility and control over your home insurance needs.

I recommend: The Central Agency in Carrington, WY, represents many carriers of home, auto and life insurance. Manger Insurance is based in Wyoming but also provides property insurance for ranches, farms and homes in South Dakota and Montana.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  North Dakota property insurance will cover the contents of your house up to a specified percentage of the value of your home. You should conduct a home inventory to determine if replacement cost for the contents of your home exceeds this value. If you have a substantial amount of number of belongings outside of your home, you should consider off-premises coverage.