Home Insurance Calculator — North Dakota (ND) 2025
The average home insurance cost in North Dakota is $2,090 per year ($174/month) for a standard policy on a $250,000 home. This is 10% above the national average of $1,900/year. Use our calculator to estimate your premium.
North Dakota Home Insurance Calculator
Estimated Annual Premium
$2,090
Estimated Monthly Cost
$174
| Home Value | Basic (HO-1) | Standard (HO-3) | Premium (HO-5) |
|---|---|---|---|
| $150,000 | $878 | $1,254 | $1,693 |
| $250,000 | $1,463 | $2,090 | $2,822 |
| $350,000 | $2,048 | $2,926 | $3,950 |
| $500,000 | $2,926 | $4,180 | $5,643 |
| $750,000 | $4,389 | $6,270 | $8,465 |
| $1,000,000 | $5,852 | $8,360 | $11,286 |
Frequently Asked Questions
How much is home insurance in North Dakota?▼
The average homeowners insurance premium in North Dakota is approximately $2,090 per year for a standard policy on a $250,000 home. Costs vary based on home value, coverage type, location within the state, and your claims history.
What does homeowners insurance cover in North Dakota?▼
A standard homeowners insurance policy (HO-3) in North Dakota covers damage to your home's structure, personal property, liability protection, and additional living expenses if your home becomes uninhabitable. Premium policies (HO-5) offer broader coverage with fewer exclusions.
How can I reduce my home insurance costs in North Dakota?▼
To lower your homeowners insurance in North Dakota: increase your deductible, install security systems and smoke detectors, bundle with auto insurance, maintain a good credit score, and shop around for competitive quotes annually.
Does North Dakota require homeowners insurance?▼
North Dakota does not legally require homeowners insurance. However, if you have a mortgage, your lender will almost certainly require you to maintain adequate homeowners insurance coverage for the duration of the loan.
What factors affect home insurance rates in North Dakota?▼
Key factors include your home's location, age, and construction type, the replacement cost, your claims history, credit score, proximity to fire stations, and whether the area is prone to natural disasters such as hurricanes, tornadoes, or flooding.