# How Much Does Homeowners Insurance Cost in North Dakota? _Last updated: 2026-10-05T07:43:17Z_ > North Dakota pricing for homeowners insurance opens around $7,438 and tops out near $26,034 per year; $13,916 is the typical figure. ## Typical cost at a glance | Level | Price | | --- | --- | | Low | ~$7,438 | | Typical | ~$13,916 | | High | ~$26,034 | _Currency: USD, per year._ ## Cost by type | Type | Low | Typical | High | | --- | --- | --- | --- | | Baseline cost at the advertised rate | ~$7,438 | ~$16,736 | ~$26,034 | | Best-qualified applicant scenario | ~$6,099 | ~$15,156 | ~$24,212 | | Weaker-credit scenario | ~$8,033 | ~$20,939 | ~$33,844 | | Origination and third-party fees | ~$893 | ~$3,961 | ~$7,029 | | Shorter term with higher payment | ~$7,587 | ~$19,154 | ~$30,720 | ## Timing your homeowners insurance Urgent homeowners insurance work is priced for speed: overtime, priority materials and squeezed schedules all add cost. Planning a few weeks ahead is often the simplest way to stay near $13,916. ## How to compare quotes for homeowners insurance Cheapest is not the same as best value for homeowners insurance. A slightly higher quote with a complete scope and no open-ended extras is often safer than the lowest figure with caveats. ## What Homeowners Insurance typically costs Plan around a $7,438–$26,034 per year band for homeowners insurance in North Dakota. A typical job is near $13,916, and the gap between the two ends is where scope, materials and timing do their work. ## What moves the price of homeowners insurance The scope you agree drives most of the cost of homeowners insurance. Every extra task, upgraded material or access complication adds labour and risk, and the provider prices that risk into the quote. ## Frequently asked questions ### How much does homeowners insurance cost? Most homeowners insurance falls between $7,438 and $26,034, with a typical figure near $13,916 per year. The low end is a straightforward job with no surprises; the high end covers complex scope, premium materials or urgent timing. It is worth testing that against a couple of quotes in North Dakota. ### What affects the price of homeowners insurance? The honest answer is that it depends on the specifics. Compare the written scope first, then the price. Local providers in North Dakota can confirm how that applies to your area. ### Is Homeowners Insurance cheaper in smaller cities? Often, but not always. Smaller markets can carry a travel or availability premium that offsets a lower local rate, so it is worth checking a nearby city before assuming the lowest published figure applies to you. In North Dakota, that is worth confirming with a local provider before you commit. ### How many quotes should I get for homeowners insurance? Two or three written quotes are enough to see the real market range. Compare the same scope side by side, and ask each provider what is excluded and what would change the price after the quote is accepted. The answer can shift with the North Dakota market, so check locally. ## Keep comparing - [Finance](/category/finance/) - [Tax Preparation](/north-dakota/tax-preparation/) - [Personal Loans](/north-dakota/personal-loans/) - [Auto Loans](/north-dakota/auto-loans/) - [Student Loans](/north-dakota/student-loans/) - [Business Loans](/north-dakota/business-loans/) - [Mortgages](/north-dakota/mortgages/) - [Alabama](/alabama/homeowners-insurance/) - [Alaska](/alaska/homeowners-insurance/) - [Arizona](/arizona/homeowners-insurance/) - [Arkansas](/arkansas/homeowners-insurance/) - [California](/california/homeowners-insurance/) - [Colorado](/colorado/homeowners-insurance/) - [Connecticut](/connecticut/homeowners-insurance/) - [Delaware](/delaware/homeowners-insurance/) - [District of Columbia](/district-of-columbia/homeowners-insurance/) - [Florida](/florida/homeowners-insurance/) - [Georgia](/georgia/homeowners-insurance/) - [Hawaii](/hawaii/homeowners-insurance/) - [Idaho](/idaho/homeowners-insurance/) - [Illinois](/illinois/homeowners-insurance/) - [Indiana](/indiana/homeowners-insurance/) - [Iowa](/iowa/homeowners-insurance/) - [Kansas](/kansas/homeowners-insurance/) - [Kentucky](/kentucky/homeowners-insurance/) - [Louisiana](/louisiana/homeowners-insurance/) - [Maine](/maine/homeowners-insurance/) - [Maryland](/maryland/homeowners-insurance/) - [Massachusetts](/massachusetts/homeowners-insurance/) - [Michigan](/michigan/homeowners-insurance/) - [Minnesota](/minnesota/homeowners-insurance/) - [Mississippi](/mississippi/homeowners-insurance/) - [Missouri](/missouri/homeowners-insurance/) - [Montana](/montana/homeowners-insurance/) - [Nebraska](/nebraska/homeowners-insurance/) - [Nevada](/nevada/homeowners-insurance/) - [New Hampshire](/new-hampshire/homeowners-insurance/) - [New Jersey](/new-jersey/homeowners-insurance/) - [New Mexico](/new-mexico/homeowners-insurance/) - [New York](/new-york/homeowners-insurance/) - [North Carolina](/north-carolina/homeowners-insurance/) - [North Dakota](/north-dakota/homeowners-insurance/) - [Ohio](/ohio/homeowners-insurance/) - [Oklahoma](/oklahoma/homeowners-insurance/) - [Oregon](/oregon/homeowners-insurance/) - [Pennsylvania](/pennsylvania/homeowners-insurance/) - [Rhode Island](/rhode-island/homeowners-insurance/) - [South Carolina](/south-carolina/homeowners-insurance/) - [South Dakota](/south-dakota/homeowners-insurance/) - [Tennessee](/tennessee/homeowners-insurance/) - [Texas](/texas/homeowners-insurance/) - [Utah](/utah/homeowners-insurance/) - [Vermont](/vermont/homeowners-insurance/) - [Virginia](/virginia/homeowners-insurance/) - [Washington](/washington/homeowners-insurance/) - [West Virginia](/west-virginia/homeowners-insurance/) - [Wisconsin](/wisconsin/homeowners-insurance/) - [Wyoming](/wyoming/homeowners-insurance/) - [Ontario](/ontario/homeowners-insurance/) - [Quebec](/quebec/homeowners-insurance/) - [British Columbia](/british-columbia/homeowners-insurance/) - [Alberta](/alberta/homeowners-insurance/) - [Saskatchewan](/saskatchewan/homeowners-insurance/) - [Manitoba](/manitoba/homeowners-insurance/) - [Nova Scotia](/nova-scotia/homeowners-insurance/) - [New Brunswick](/new-brunswick/homeowners-insurance/) - [Newfoundland and Labrador](/newfoundland-and-labrador/homeowners-insurance/) - [Prince Edward Island](/prince-edward-island/homeowners-insurance/) - [Bismarck](/bismarck/) - [Fargo](/fargo/) - [Grand Forks](/grand-forks/) - [Minot](/minot/) --- These are planning ranges drawn from public price data and market research. They are not a quote, an offer or financial advice, and your actual price depends on the provider, the location and the scope of the work.