{"id":324470,"date":"2025-11-08T00:36:22","date_gmt":"2025-11-08T05:36:22","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=86240"},"modified":"2025-11-12T13:50:44","modified_gmt":"2025-11-12T18:50:44","slug":"best-in-north-dakota","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-north-dakota\/","title":{"rendered":"The Best Homeowners Insurance Companies in North Dakota in 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overview\" title=\"The Best Homeowners Insurance Companies\"><\/span>\n    \n\n\n<p>North Dakota homeowners face persistent severe convective storms (large hail, damaging winds, tornadoes), periodic river and flash flooding in the Red River of the North basin, and intense winter weather. The Northern Plains has been included in many multi-state severe-storm loss events in recent years, contributing to premium pressure across the region (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA Billion-Dollar Disasters<\/a>; <a href=\"https:\/\/www.globalchange.gov\">Fifth National Climate Assessment \u2013 Northern Great Plains<\/a>). When risk and repair costs rise, having the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">best home insurance company<\/a> for your situation matters. Reviews.com evaluated leading insurers using current pricing benchmarks, the latest customer satisfaction research, and recent North Dakota market-share data (see <a href=\"https:\/\/www.bankrate.com\">Bankrate: Best Homeowners Insurance in North Dakota<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Homeowners Insurance Companies in North Dakota<\/h2>\n\n\n\n<p>To identify strong options for North Dakota, we paired the most recent official baseline (2022 NAIC average expenditure; see <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a>) with current 2025 market estimates for a standardized HO-3 profile (~$300,000 dwelling coverage) from reputable sources (<a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>). We also considered the latest customer satisfaction benchmarks (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power 2024 U.S. Home Insurance Study<\/a>) and the regulator-reported complaint experience via the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a>. Based on this research, the following four companies offer some of the best home insurance in North Dakota:<\/p>\n\n\n\n<ul>\n<li><a href=\"#auto-owners\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Auto-Owners<\/strong><\/a><strong>:<\/strong> Best for Discounts<\/li>\n\n\n\n<li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Allstate<\/strong><\/a><strong>: <\/strong>Best for Coverage Options<\/li>\n\n\n\n<li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\"><strong>State Farm<\/strong><\/a><strong>: <\/strong>Best for Local Agents<\/li>\n\n\n\n<li><strong><a href=\"#country-financial\" rel=\"nofollow\" class=\"achor-toggles\">Country Financial<\/a>: <\/strong>Best for Cheap Rates<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"compare\" title=\"Compare\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Home Insurance Companies in North Dakota<\/h2>\n\n\n\n<p>While our research found these four carriers to be among the best, the right company for you depends on your location, roof age\/material, deductibles (including separate wind\/hail deductibles common in hail-prone areas), and coverage needs. The North Dakota Insurance Department\u2019s shopper guides show 2x\u20133x swings in sample premiums across insurers for the same profile, underscoring why shopping matters (<a href=\"https:\/\/www.insurance.nd.gov\">ND Insurance Department \u2013 Homeowners Premium Comparison<\/a>). Recent market-share data for North Dakota homeowners coverage indicate the leader group remains stable: State Farm and locally based Nodak Insurance rank near the top by direct premiums written, followed by American Family, USAA, Auto-Owners, Allstate, COUNTRY Financial, Farmers (and affiliates), Liberty Mutual\/Safeco, and Farmers Union Mutual of North Dakota (<a href=\"https:\/\/www.bankrate.com\">Bankrate market-share snapshot<\/a>).<\/p>\n\n\n\t\t\n<section id=\"block_6231e965fd200\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Premium for $250K in Dwelling Coverage*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Rating\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Customer Satisfaction Score**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_6231e965fd200-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Auto-Owners<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,704<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>831<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6231e965fd200-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,708<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6231e965fd200-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,653<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>835<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6231e965fd200-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Country Financial<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,441<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>830<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>The figures in this comparison reflect historical 2021\u20132022 sources used at the time these values were compiled. For current context, see the 2025 averages and the latest satisfaction study referenced below.<\/em><\/p>\n\n\n\n<p><em>*Historical premium figures from Bankrate.com based on $250,000 in dwelling coverage. Current market estimates for a standardized HO-3 with about $300,000 in dwelling coverage place North Dakota around the $1,900\u2013$2,500 range in 2025 (<a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>).<\/em><\/p>\n\n\n\n<p><em>**<a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power 2021 Home Insurance Study<\/a>. Based on a 1,000-point scale. Latest available study is 2024 (see link).<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"auto-owners\" title=\"Best for Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Auto-Owners<\/h2>\n\n\n                                                \n\n\n<section id=\"auto-owners\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners already has lower-than-average home insurance rates according to our study, but also offers numerous discounts that could help you save even more. Combine that with superior financial strength ratings from AM Best and a high customer satisfaction score from J.D. Power, and Auto-Owners is a solid choice for North Dakota home insurance.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337424-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,704*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">831**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners already has lower-than-average home insurance rates according to our study, but also offers numerous discounts that could help you save even more. Combine that with superior financial strength ratings from AM Best and a high customer satisfaction score from J.D. Power, and Auto-Owners is a solid choice for North Dakota home insurance.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Average rate is lower than the state average<\/li>\n                            <li>Endorsements can be added to personalize coverage<\/li>\n                            <li>Numerous discounts available<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>No online quotes available<\/li>\n                                    <li>Not available in all states<\/li>\n                                    <li>Not the cheapest average rate on our list<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Auto<\/li>\n<li>Umbrella<\/li>\n<li>Boat<\/li>\n<li>Trailer<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Life multi-policy<\/li>\n<li>Green discount<\/li>\n<li>Water shut-off system<\/li>\n<li>Automatic backup generator<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best for Coverage Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Coverage Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                If you\u2019re looking for a policy with coverage options to help you personalize your coverage, Allstate could be a good fit. The carrier features a low average premium, numerous optional coverages, and several discounts.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,708*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                If you\u2019re looking for a policy with coverage options to help you personalize your coverage, Allstate could be a good fit. The carrier features a low average premium, numerous optional coverages, and several discounts.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Numerous optional coverages available<\/li>\n                            <li>Several discounts could help you save<\/li>\n                            <li>Average rate is lower than the state\u2019s average<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>AM Best financial strength rating is lower than some competitors<\/li>\n                                    <li><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" rel=\"noopener\" target=\"_blank\">Lower-than-average claims satisfaction score<\/a> from J.D. Power<\/li>\n                                    <li>Higher-than-average <a href=\"https:\/\/eapps.naic.org\" rel=\"noopener\" target=\"_blank\">NAIC complaint index score<\/a><\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Auto<\/li>\n<li>Condo<\/li>\n<li>Motorcycle<\/li>\n<li>Business<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Welcome &amp; loyalty<\/li>\n<li>Home buyer<\/li>\n<li>Easy Pay Plan<\/li>\n<li>Early signing<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Local Agents\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Local Agents<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm has the highest premium on our list, but it could still be a good choice for homeowners looking for a company backed by high third-party scores.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,653*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">835**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm has the highest premium on our list, but it could still be a good choice for homeowners looking for a company backed by high third-party scores.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Superior AM Best financial strength rating<\/li>\n                            <li>Above-average J.D. Power customer satisfaction score<\/li>\n                            <li>Above-average J.D. Power claims satisfaction score<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Average premium is much higher than the state average<\/li>\n                                    <li>Fewer optional coverages than most competitors<\/li>\n                                    <li>Fewer discounts than most competitors<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Rental property<\/li>\n<li>Personal articles<\/li>\n<li>Life<\/li>\n<li>Business<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Multiple line discount<\/li>\n<li>Home alert protection discount (fire, smoke, or burglar alarms)<\/li>\n<li>Roofing discounts based on the type of roofing products on the house<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"country-financial\" title=\"Best for Cheap Rates\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Country Financial<\/h2>\n\n\n                                                \n\n\n<section id=\"country-financial\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Country Financial<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Cheap Rates<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                With the lowest average premium on our list, Country Financial could be a good choice for homeowners on a tight budget.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=344332-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,441*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">830**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                With the lowest average premium on our list, Country Financial could be a good choice for homeowners on a tight budget.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Lowest average annual premium on our list<\/li>\n                            <li>Higher-than-average J.D. Power customer satisfaction score<\/li>\n                            <li>Local agents available<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Fewer endorsements than some competitors<\/li>\n                                    <li>AM Best financial strength rating is lower than some competitors<\/li>\n                                    <li>Not available in all states<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Auto<\/li>\n<li>Recreational vehicle<\/li>\n<li>Farm<\/li>\n<li>Life<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Loyalty<\/li>\n<li>Good payer<\/li>\n<li>Safe home<\/li>\n<li>Smart home<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>*Historical premium figures from Bankrate.com based on $250,000 in dwelling coverage.<\/p>\n\n\n\n<p>**J.D. Power 2021 Home Insurance Study. Based on a 1,000-point scale. For the latest results, see the 2024 study linked above.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in North Dakota<\/h2>\n\n\n\n<p>The most recent official benchmark shows North Dakota\u2019s average homeowners expenditure at roughly $1.3k per year (2022), compared with about $1.4k nationally (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute, NAIC-based<\/a>). However, 2025 market estimates for a typical HO-3 policy with about $300,000 in dwelling coverage put North Dakota around $1,900\u2013$2,500 per year, while the national average is approximately $2,200\u2013$2,600 (<a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>). Differences across sources reflect varying profiles and methodologies.<\/p>\n\n\n\n<p>Your premium will vary with factors like dwelling value, roof age\/material, ZIP-code hail exposure, prior claims, credit-based insurance score (where permitted), and deductibles. Percentage wind\/hail deductibles are increasingly common in hail-prone regions. To find your best fit, compare quotes across multiple carriers and consider local mutuals alongside national brands (<a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/\">home insurance quotes<\/a>; <a href=\"https:\/\/www.insurance.nd.gov\">ND Insurance Department shopper guides<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in North Dakota<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Farmers Union Mutual<\/td><td>$1,070<\/td><\/tr><tr><td>North Star Mutual<\/td><td>$1,087<\/td><\/tr><tr><td>EMC<\/td><td>$1,271<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Historical snapshot from Bankrate.com\u2019s 2021 dataset for $250,000 in dwelling coverage. For current 2025 averages and methodology differences (~$300,000 dwelling profile), see <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in North Dakota&nbsp;<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Farmers<\/td><td>$3,283<\/td><\/tr><tr><td>State Farm<\/td><td>$2,653<\/td><\/tr><tr><td>American Family<\/td><td>$1,813<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Historical snapshot from Bankrate.com\u2019s 2021 dataset for $250,000 in dwelling coverage. Use these for historical comparison only; obtain current quotes for 2025 pricing.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"key-things\" title=\"Key Things to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know About Homeowners Insurance in North Dakota<\/h2>\n\n\n\n<p>Severe convective storms are the state\u2019s dominant property risk, with large hail and straight-line winds driving many losses; eastern counties along the Red River of the North also face elevated riverine and flash-flood potential. Heavy precipitation intensity has increased in the Northern Great Plains, raising flood risk even outside mapped floodplains (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA Billion-Dollar Disasters<\/a>; <a href=\"https:\/\/www.globalchange.gov\">Fifth National Climate Assessment<\/a>). Understanding these hazards and how deductibles and exclusions apply can help you pick the right protection.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Home insurance coverage options<\/h3>\n\n\n\n<p>North Dakota homeowners face serious weather threats year-round. Consider these common causes of damage and the coverages that can help:<\/p>\n\n\n\n<ul>\n<li><strong>Tornadoes, hail, and damaging winds: <\/strong>North Dakota averages roughly low-30s tornadoes per year with a pronounced June\u2013July peak; very large hail and straight-line winds are frequent warm-season hazards (<a href=\"https:\/\/www.spc.noaa.gov\/wcm\/\">NOAA\/SPC climatology<\/a>). Wind and hail are typically covered, but percentage wind\/hail deductibles and roof age\/material restrictions are increasingly common in hail-prone areas (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA Billion-Dollar Disasters<\/a>). Review whether your roof is covered at actual cash value (ACV) or replacement cost (RCV) and ask about impact-resistant roofing credits.<\/li>\n\n\n\n<li><strong>Flooding: <\/strong>The Red River basin and nearby corridors have elevated riverine and flash-flood risk (<a href=\"https:\/\/hazards.fema.gov\/nri\/\">FEMA National Risk Index<\/a>). Standard home insurance excludes flood; consider separate flood insurance through the NFIP or private market (<a href=\"https:\/\/www.fema.gov\">FEMA: What flood insurance covers<\/a>). Even shallow flooding can cause substantial damage.<\/li>\n\n\n\n<li><strong>Wildfire (grassland\/brush): <\/strong>Fast-moving grass fires driven by wind and dry fuels can threaten rural areas and community fringes. Maintain defensible space and confirm adequate coverage for outbuildings and equipment (<a href=\"https:\/\/www.ndsu.edu\">North Dakota Forest Service \u2013 Wildland Fire<\/a>).<\/li>\n\n\n\n<li><strong>High-impact add-ons and limits: <\/strong>Given recent volatility in rebuilding costs and weather, consider endorsements like extended replacement cost, ordinance or law, water backup of sewers and drains, service line, equipment breakdown, and scheduled valuables to close common gaps (<a href=\"https:\/\/www.iii.org\/article\/optional-homeowners-insurance-coverages\">Insurance Information Institute: Optional homeowners coverages<\/a>).<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Homeowners Insurance Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Homeowners Insurance Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_6231ed07fd248\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in North Dakota?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">State law in North Dakota doesn\u2019t require you to carry a homeowners insurance policy. That being said, if you have a mortgage, your mortgage lender will very likely require that you have an active insurance policy as part of your loan conditions. Even if you own your home in full, it may be fiscally responsible to keep your policy in place in case of unexpected occurrences.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6231ed16fd249\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest homeowners insurance in North Dakota?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">\u201cCheapest\u201d depends on your ZIP code, roof age, claims history and deductibles. The state\u2019s shopper guides show that the lowest and highest quotes for the same profile can differ by 2x\u20133x depending on the company and city\u2014so compare multiple quotes, including local mutuals, to find your best rate (<\/span><a href=\"https:\/\/www.insurance.nd.gov\">North Dakota Insurance Department shopper guides<\/a><span style=\"font-weight: 400;\">). While price matters, also weigh service quality and financial strength; consult the latest satisfaction benchmarks and complaint indexes when evaluating carriers.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6231ed2afd24a\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I get a home insurance quote?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Many companies offer online quoting tools, or you may need (or choose to) call a company or visit a local agency. However you get your quote, you\u2019ll need some information about yourself, including your name, date of birth, and potentially your Social Security number. You\u2019ll also need your address and details about your house like the age, the roof year, and information about special features. Once you have a quote you\u2019d like to purchase, you\u2019ll work with a company representative to get the policy started. You may need to sign an application and make a payment, unless your home insurance is paid through your mortgage escrow account.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated companies using independent customer-experience benchmarks (latest available <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a>), financial strength (AM Best), breadth of coverage options, and recent market presence in North Dakota. We also referenced the state\u2019s premium comparison guides to assess price dispersion across carriers (<a href=\"https:\/\/www.insurance.nd.gov\">ND Insurance Department<\/a>).<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li><strong>Customer Ratings:<\/strong> Customer ratings indicate satisfaction with the overall experience. We referenced the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power U.S. Home Insurance Study<\/a> results (1,000-point scale).<\/li>\n\n\n\n<li><strong>Coverage:<\/strong> Because one size doesn\u2019t fit all, we evaluated companies by the range of standard coverages and add-ons (e.g., water backup, ordinance or law, service line, equipment breakdown; see <a href=\"https:\/\/www.iii.org\/article\/optional-homeowners-insurance-coverages\">Insurance Information Institute<\/a>).<\/li>\n\n\n\n<li><strong>Confidence:<\/strong> Financial strength indicates claims-paying ability. We used AM Best ratings for this assessment.<\/li>\n\n\n\n<li><strong>Customer Experience:<\/strong> Complaint ratios help gauge service issues. We referenced the latest line-specific complaint indexes via the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a>, where 1.00 equals the national median (values &gt;1.00 indicate more complaints than expected).<\/li>\n<\/ul>\n\n\n\n<p>Rates context: Historical tables in this article reflect Bankrate\u2019s 2021 dataset for $250,000 in dwelling coverage, while the current averages we cite use 2025 mode led\/quoted profiles around $300,000 in dwelling coverage (HO-3, $1,000 deductible). These are sample figures for comparison only; your quotes will vary by home characteristics and deductibles.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>North Dakota homeowners face persistent severe convective storms (large hail, damaging winds, tornadoes), periodic river and flash flooding in the Red River of the North basin, and intense winter weather. The Northern Plains has been included in many multi-state severe-storm loss events in recent years, contributing to premium pressure across the region (NOAA Billion-Dollar Disasters; [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":354937,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Homeowners Insurance Companies in North Dakota | Review<\/title>\n<meta name=\"description\" content=\"If you live in North Dakota, you know that the Rough Rider State is known for, well, rough weather. 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