Country Guide
Best Home Insurance in North Dakota (2026)
North Dakota homeowners face harsh winters and severe hail. Compare top carriers for comprehensive ND coverage.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in North Dakota
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Storm coverage | $1,860/yr | — |
| 2 | Nodak Mutual | ND-based carrier | $1,680/yr | — |
| 3 | USAA | Military families | $1,500/yr | — |
| 4 | American Family | Midwest coverage | $1,980/yr | — |
| 5 | Farmers | Farm properties | $2,100/yr | — |