North Dakota Renters Insurance

How much does renters insurance generally cost in North Dakota?

Renters insurance in North Dakota can cost as little as $9 a month (or $105 per year) for around $35,000¹ in coverage, less than the national average, according to a 2023 report (the most recent data available) by the National Association of Insurance Commissioners (NAIC). However, insurance premiums in most states have changed since then. Also, your cost may be different, depending on things like how much personal property you want to cover, what deductible you choose and risks specific to your location.

What does North Dakota renters insurance typically cover?

Typically, renters insurance policies in North Dakota can provide coverage against damage to or loss of personal belongings if caused by:

• Windstorms
• Hail 
• Lightning strikes 
• Fire 
• Vandalism and theft 
• Explosions 
• Falling objects 
• The weight of snow or ice

Flooding — a common risk in some locations in North Dakota — is not covered, but special flood insurance through the National Flood Insurance Program (NFIP) may be available for renters.

Is renters insurance required in North Dakota?

No. In North Dakota, no state laws require you to have renters insurance. However, landlords can require you to have a renters policy as part of a lease agreement. It may help pay for another person’s medical bills or repairs to their property if you’re found legally responsible for their injuries or property damage. Renters liability coverage may also help cover your legal expenses if you’re sued over an incident that occurs in the place you’re renting. Keep in mind that your landlord’s insurance provides coverage for the building itself, but this likely does not include your personal belongings.