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north dakota homeowners insurance through an esurance partner

From Adams to Williams County (and everywhere in between), North Dakota is a special place to call home. And to help you get the most out of living in the Peace Garden State, we can help you get homeowners insurance to better protect yourself, your house, and your belongings.

While Esurance doesn't yet offer homeowners coverage in North Dakota, you can shop for a policy with our trusted partner when you get a hassle-free (and free free) quote through our site.

north dakota discounts: modern homes could mean savings

North Dakota happens to be one of the fastest-growing states. In fact, per capita, it led the nation in new residential construction between 2011 and 2013.

What does this have to do with your homeowners insurance rates? Simple: If you're one of the many North Dakotans living in a recently constructed house, you could stand to save with a discount. Depending on your insurer, as long as your abode is less than 10 years old, you could qualify.

You could also pave the way for lower rates in the Roughrider State with other simple steps, such as outfitting your place with a burglar or fire alarm.

is homeowners insurance required in north dakota?

Unlike auto insurance, homeowners coverage isn't legally required. But if you finance your home with a mortgage, as part of the terms of your agreement your lender often mandates at least a basic policy.

Even if home insurance isn't required, however, that doesn't make it any less critical. After all, your home is your largest investment. You'd hate to have a freak storm or explosion damage your house and not have the funds to rebuild. With homeowners coverage, you don't have to worry. Dwelling protection can help restore your home to its former glory so your family and finances are secure.

Homeowners insurance looks after more than just your dwelling, too. Your policy could also help with:

  • Paying for temporary accommodations if a covered loss drives you out of your home
  • Handling liability issues if a guest gets hurt on your property
  • Replacing your valuables, such as furniture, jewelry, and electronics if they're stolen or damaged

north dakota homeownership fun facts

How well do you know your home state? Here are some fast facts about living in North Dakota:

  • 2 out of every 3 residents in North Dakota are homeowners
  • The average home price here is roughly $130,000, well below the U.S. average
  • There are 2.3 North Dakotans per household, on average
  • There are nearly 300,000 total houses throughout the state
  • For residents in search of inspired home architecture, there's the Elgin Hurd "Round" House, located in Wells County. This bucolic abode is on the National Register of Historic Places thanks to its unique design flairs, including a rounded, cone-like roof (which must do wonders for gutter drainage!).

Wonder if you could be saving on homeowners insurance?

get your free quote online

or call 1-866-439-5633