What does homeowners insurance typically cover in North Dakota?
Every policy is different, but home insurance policies in North Dakota typically come with several standard categories of coverage.
- Dwelling (Coverage A). This coverage helps you pay for damage to your home from a covered event, such as a fire, windstorm, lightning or hail.
- Other structures (Coverage B). This coverage is intended to help cover structures that aren’t connected to your home, like a fence or shed.
- Personal property (Coverage C). This coverage helps you repair or replace your personal belongings if they are stolen or damaged.
- Loss of use, or additional living expense coverage (Coverage D). This coverage can help you pay to stay somewhere else if your home is uninhabitable due to covered damage.
- Personal liability (Coverage E). This coverage helps pay for accidental property damage or injuries you cause through negligence.
Typical home insurance policies in North Dakota cover damage caused by events such as:
- Fire
- Vandalism and theft
- Lightning strikes
- Wind
- Hail
- Explosions
- Falling objects
- The weight of snow or ice
Flooding is not covered. However, special flood insurance through the National Flood Insurance Program (NFIP) may be available.
Farmers Flex Personal Home coverage in North Dakota
Beyond the basic coverages, Farmers Flex Personal Home offers a wide range of options that let you customize your policy, such as:
- Guaranteed Replacement Cost
- Water Backup and Sump Overflow
- Emergency Mortgage Assistance
- Declining Deductibles®
- Claim Forgiveness
How much does homeowners insurance generally cost in North Dakota?
The average premium for home insurance coverage in North Dakota is $1,230 per year1, according to a 2020 report (the most recent data available) by the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Also, the amount you pay may be different, depending on things like the value and age of your home, how much personal property you want to cover, what deductible you choose and risks specific to your area.
North Dakota home insurance discounts
Farmers® offers a variety of savings opportunities for eligible home insurance customers in North Dakota, including:
- Welcome Discount
- Home Buyer Discount
- Multi-Policy Discount
- Loyalty Discount
- Claim Free Discount
See more information and additional discounts that may be available in North Dakota.
Western Meadowlark
What is it about western meadowlarks and fenceposts? The North Dakota state bird is most often spotted perched atop a post in grasslands areas. — North Dakota Game and Fish
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Does Home Insurance Cover Water Damage?
Generally, if the cause is sudden and accidental — if an appliance or bathroom fixture springs a leak or a storm blows a tree through your roof and rain pours in — the typical homeowners insurance policy covers resulting water damage.
1 Based on average premium for HO-3 type open perils homeowners policies.