Enter your ZIP code:

North Dakota Home Insurance

From photographs to furniture, your home houses not just you and your family, but your memories, keepsakes and valuables. It provides you with a sense of security, so you should protect it with North Dakota homeowners' insurance.

You don't have to settle for an expensive policy that strains your finances. After all, your North Dakota home insurance should make you feel comfortable and secure, not overextended. With the aid of InsureMe, you can comparison shop and find the policy that fits both your needs and your budget with little effort.

Get your free quotes today!

Understanding North Dakota Home Insurance

In North Dakota, there are two main types of North Dakota homeowners' insurance.  A named peril policy provides coverage for a specific list of events, and an open peril policy provides coverage for all events except those expressly named in the exclusion clause. The latter likely costs more, but protects your home against more events.

  • 2 Kinds of Named Peril Policies:

Basic Coverage Perils: Covers fire, lightening, windstorm, hail, explosion, riot, or civil commotion, aircraft, vehicles, smoke, vandalism and theft.

Broad Coverage Perils: Covers all basic perils, as well as volcanic eruption, falling objects, weight of snow, snow or sleet, collapse of building, accidental discharge or water or steam and sudden or accidental damage from an artificially generated electrical current.

Know Your Options

As a North Dakota homeowner, you have several options for home insurance. Although insurers may call these policies by different names, they offer similar coverage to those described below.

  • Broad Policy (HO-2): This insures your home against loss or damage caused by broad coverage perils.
  • Special Policy (HO-3): The most popular North Dakota home insurance, the special policy insures your home against broad coverage perils other than those named in the exclusion clause.
  • Comprehensive Policy (HO-3/HO15 or HO-5): This is a more expensive and less widely offered policy that provides the broadest coverage for your home—against any event except those named in the exclusion clause.
  •  Modified Coverage Policy (HO-4): There are certain standards that homes must meet in order to qualify for most types of North Dakota home insurance. However, if you live in an older home or one that doesn't comply with those requirements, this type of policy may be for you. It insures your home against only the basic perils. This type of insurance returns your home to an inhabitable condition, not necessarily to its condition prior to the event.

If you are a tenant or condo owner, you are vulnerable to the same types of events that you would be in a home and deserve coverage that will protect your belongings as well.

Choose From:

  • Tenants/Renters Policy (HO-4): This protects your personal property against the broad coverage perils. Like homeowners' policies, it pays any medical expense, living expense and liability coverage.
  • Condominium Owners' Policy (HO-6): Because in most cases the condominium association owns the building, this type of insurance will cover the part of the building you own—your condo! It also insures any additions you've made. Like a homeowners' policy, it pays any medical expense, living expense and liability coverage.

What's covered by your policy depends on the type you've chosen. It's important to remember that named peril policies only cover the basic or broad perils listed. The more comprehensive open peril policy covers anything except those things specifically excluded.

To ensure you have the right amount of coverage for your home and belongings, you may opt for additional coverage when purchasing your North Dakota homeowners' insurance.

A Few Add-Ons

  • Higher Liability Limits: With most insurers, you can increase your limits to $100,000, $300,000, $500,000 and $1,000,000.
  • Higher Medical Payment Limits: With most insurers, you can increase your limits to $1,000, $2,000, $5,000 or even $10,000.
  • Higher Deductibles: Deductibles of $250, $500 and $1,000 are most commonly chosen by North Dakota homeowners who increase their deductible.
  • Guaranteed Replacement Cost Coverage: If you totally lose your home, this upgrade covers up to 125 percent of your home's value.
  • Home Inflation Guard Coverage: Inflation is inevitable, and this guard increases your coverage limit to adjust for it.
  • Sewer Back-up Coverage: When you're up to your ankles in sewage, this drains down some of the expense caused by the back-up.

Prevent undue stress should disaster strike by letting InsureMe help you find a policy that will protect your pocketbook and your property.

Get started now!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!   
Free Health Insurance Quotes!   
Free Life Insurance Quotes!   
List of Articles
No. Subject Author Views
55 Wyoming Home Insurance youcomparequotes 6569
54 Wisconsin Home Insurance youcomparequotes 6862
53 West Virginia Homeowners Insurance youcomparequotes 6452
52 Washington, D.C. Home Insurance youcomparequotes 8088
51 Washington Home Insurance youcomparequotes 6189
50 Virginia Home Insurance youcomparequotes 6462
49 Vermont Homeowners Insurance youcomparequotes 6948
48 Utah Homeowners Insurance youcomparequotes 6152
47 Texas Home Insurance: Not Fun, Not Hip But Oh-So Important youcomparequotes 7132
46 Texas Home Insurance Quotes youcomparequotes 6669
45 Tennessee Homeowners Insurance youcomparequotes 8237
44 South Dakota Homeowners Insurance youcomparequotes 6928
43 South Carolina Homeowners Insurance youcomparequotes 6196
42 Rhode Island Homeowners Insurance youcomparequotes 6403
41 Pennsylvania Home Insurance Quotes youcomparequotes 6665
40 Oregon Home Insurance Quotes youcomparequotes 12737
39 Oklahoma Homeowners Insurance youcomparequotes 6613
38 Ohio Home Insurance Quotes youcomparequotes 7004
37 North Dakota Homeowners Insurance youcomparequotes 6335
» North Dakota Home Insurance youcomparequotes 6194
35 North Carolina Homeowners Insurance youcomparequotes 10968
34 New York Home Insurance Quotes youcomparequotes 6869
33 New Mexico Homeowners Insurance youcomparequotes 6736
32 New Jersey Home Insurance youcomparequotes 6257
31 New Hampshire Home Insurance youcomparequotes 6329
30 Nevada Home Insurance youcomparequotes 6463
29 Nebraska Home Insurance youcomparequotes 6306
28 Montana Home Insurance youcomparequotes 6681
27 Missouri Home Insurance Quotes youcomparequotes 6385
26 Mississippi Home Insurance youcomparequotes 6429
25 Minnesota Home Insurance Quotes youcomparequotes 6590
24 Michigan Home Insurance Quotes youcomparequotes 7601
23 Maryland Home Insurance youcomparequotes 6593
22 Maine Homeowners Insurance youcomparequotes 6401
21 Louisiana Homeowners Insurance youcomparequotes 6795
20 Kentucky Homeowners Insurance youcomparequotes 6198
19 Kentucky Home Insurance youcomparequotes 6589
18 Kansas Homeowners Insurance youcomparequotes 6793
17 Iowa Homeowners Insurance youcomparequotes 6238
16 Indiana Homeowners Insurance youcomparequotes 6592
15 Illinois Home Insurance Quotes youcomparequotes 7301
14 Idaho Home Insurance youcomparequotes 6439
13 Hawaii Home Insurance youcomparequotes 6476
12 Georgia Home Insurance youcomparequotes 6566
11 Florida’s Home Insurance Headache youcomparequotes 7871
10 Florida Home Insurance Quotes youcomparequotes 6519
9 Delaware Home Insurance youcomparequotes 6104
8 Connecticut Homeowners Insurance youcomparequotes 6385
7 Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise youcomparequotes 10950
6 Colorado Home Insurance Information youcomparequotes 7089
5 California Home Insurance youcomparequotes 6592
4 Arkansas Home Insurance youcomparequotes 6709
3 Arizona Home Insurance Quotes youcomparequotes 7637
2 Alaska Homeowners Insurance youcomparequotes 6349
1 Alabama Homeowners Insurance youcomparequotes 6367
XE Login