Enter your ZIP code:

North Dakota Homeowners Insurance

At InsureMe, we know your home is one of the biggest investments you will ever make—and you want make sure it is protected.

With InsureMe's free referral service, finding the right North Dakota homeowner's insurance to protect your abode is quick and easy. Just enter your information to the right and we will send you up to five free quotes on North Dakota homeowner's insurance!

Don't wait catastrophe to strike. Find North Dakota homeowner's insurance today.



Protect Your Residence with North Dakota Homeowners Insurance


Like most people, you may groan at the thought of adding one more bill to your monthly expenses. But think of it this way: Could you afford to replace your home and all of its contents? Could you afford to pay legal fees and awards if someone was seriously hurt on your property?

Most people can't. That's why North Dakota homeowner's insurance is an indispensable protection to have. Essentially, it protects you from risk of damage to your property and risk of liability.

Types of Coverage

There are various forms of North Dakota homeowner's insurance available to protect your home. The most common forms of North Dakota homeowner's insurance are HO-1, HO-2, HO-3 and HO-8.

HO-1 is the most basic form of North Dakota homeowner's insurance and covers your home for damages from smoke, fire, vandalism and larceny.

HO-2 is an expanded version of HO-1; it protects your home from the same perils with additional coverage from building collapse and water seepage from home appliances.

HO-3 is the most commonly purchased form of North Dakota homeowner's insurance because it protects your home from "all" perils, with exclusions specified in your policy such as flood and earthquake.

HO-8 protects older homes or homes that may not meet normal underwriting guidelines. HO-8 will protect your dwelling and any other structures on your property from the basic perils.

It is important to note that there may be other forms of North Dakota homeowner's insurance available to protect you. You may also be able to purchase additional amounts of coverage to protect your home. Be sure to discuss your needs with your North Dakota homeowner's insurance agent to ensure proper coverage.

Choosing a Dollar Amount

The amount of North Dakota homeowner's insurance you should buy will depend on what kind of coverage you select and if that coverage is based on the replacement cost or the actual cash value of the home.

It is important to know, however, that in order to collect the full payment for a partial loss you must insure your home for at least 80 percent of its replacement value. Your North Dakota homeowner's insurance agent will discuss this with you and help you choose an amount appropriate for the cost of your home and its contents.

A Word about Cancellation

It is important to understand that you will not be allowed a grace period on your North Dakota homeowner's insurance. Failure to pay your premiums may result in the cancellation of your policy.

According to the North Dakota Insurance Department, your North Dakota homeowner's insurance may also be cancelled for the following reasons:

  • Fraudulent activity
  • Reckless acts which increase hazard to the insured home
  • Violation of local fire, health, safety or construction codes which increase hazard to the insured home
  • Conviction of a crime in which one of its elements increased hazard to the insured home
  • Determination from the commissioner that continuation of the policy would violate North Dakota insurance laws

If you feel your North Dakota homeowner's insurance has been unjustly cancelled, be sure to contact the North Dakota Insurance Department to file a complaint.

Get More on North Dakota Homeowners Insurance

The North Dakota Insurance Department is an excellent source for information on North Dakota homeowner's insurance. You may contact them by phone at (701) 328-2440 or visit them on the Web.

Dodge Destruction with North Dakota Homeowners Insurance.

Just enter your information to the right and let InsureMe send you up to five free quotes on North Dakota homeowner's insurance!


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
» North Dakota Homeowners Insurance youcomparequotes 6335
36 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