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Whether you live in the heart of Fargo or are raising a family in the suburban town of Bismarck, North Dakota is your home. Nationwide wants to help ensure your home is safe and secure with the right homeowners insurance. With a variety of policy options to choose from, selecting coverage that fits your lifestyle and budget is easy. And with our home insurance discounts, members can save even more on our home insurance rates. Get a North Dakota home insurance quote and start protecting your home today.

North Dakota homeowners coverages and discounts

What we can cover

Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.

Explore coverages & options

Brand New Belongings®

Repair or replace your covered possessions, regardless of age or condition.

Get Brand New Belongings®

Homeowners insurance discounts

Making your policy more affordable.

See how you can save

What factors go into determining a homeowners insurance rate?

While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:

Location

Location includes the state, ZIP code, and claims history of the area.

Construction

The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.

Age of the house

How new or old the house is, and the upgrades that were made to an older home.

Replacement cost

The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.

Swimming pool

Owning a swimming pool may increase your liability coverage to cover possible injuries.

Home-based business

If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.

Policy features that may meet the needs of North Dakota homeowners

No matter which North Dakota city you're in - whether it's Minot or Jamestown - Nationwide has you covered with the homeowners insurance option that's right for you.
  • Water backup1 can help protect you from losses caused by backed-up sewer or drain water.
  • Identity theft protection helps defend you against fraud and identity theft and can stop damages to your credit within minutes.

Nationwide agents throughout North Dakota are ready to assist you

Select your city below to find an agent near you.

Get a free North Dakota homeowners insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your North Dakota homeowners insurance quote today.
Want to find a local agent in your neighborhood? We have Nationwide agents throughout North Dakota.
Find a local agent

Nationwide coverage in North Dakota

Motorcycle insurance

Find motorcycle coverages and discounts for your state.

Auto insurance

Find auto coverages and discounts for your state.

Renters insurance

Find renters coverages and discounts for your state.

On Your Side® Review

Make sure your insurance keeps up with your life.

[1] Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.