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2024

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Best Homeowners Insurance Agencies in North Dakota

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored North Dakota Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

446Reviewed

272Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Fargo

Expertise.com Rating

Why choose this provider?

Fargo Moorhead Insurance provides North Dakota clients with customized insurance plans. It represents multiple insurance carriers in the industry, providing access to a wide selection of policies. It offers homeowner's insurance plans and helps clients find the right coverage for their needs and budget. Its team also assists clients in reviewing their current policies. Its other insurance products include life, health, disability, and personal and commercial auto insurance plans. The agency has been serving the area as the best independent insurance agency since its foundation in 1972.

Fargo

Expertise.com Rating

Review Sources

Facebook
4.6 (35)
Google
5.0 (13)

Why choose this provider?

Heritage Insurance Services is a family-owned and family-operated business that works as the best agency across North Dakota. It represents various insurance companies in the market, carrying a wide selection of policy options. It provides homeowner's insurance plans that include dwelling and personal possessions coverage and additional structure protection. In addition, the firm offers coverage for fire, lightning, windstorm, and hail damage. Heritage Insurance Services owner Tyler Bjerke established the business in 2009. He is a third-generation insurance agent.

West Fargo

Expertise.com Rating

Review Sources

Yelp
5.0 (3)

Why choose this provider?

Great North Insurance Services is the best locally owned company serving clients throughout North Dakota. It offers insurance products for both individuals and commercial clients. Its insurance offerings include homeowner's insurance plans that can be customized according to the client's coverage needs, priorities, and budget. Its team helps clients in tailoring their policies by employing a question-based model. In 2016, the agency was featured in The Bridge, a publication by the Fargo Moorhead West Fargo Chamber of Commerce.

Fargo

Expertise.com Rating

Review Sources

Google
4.6 (33)
Facebook
5.0 (14)

Why choose this provider?

Yahnke Insurance Agency is the best risk protection firm in North Dakota that serves clients across the state. An independent company, it offers various types of personal insurance products from numerous carriers, including homeowner's insurance plans. Its team of agents helps clients in finding the right level of coverage for their needs and provides coverages for home structure, personal property, liability, and medical and living expenses. They also assist them in understanding and evaluating additional coverages for flood and earthquake damage. The agency extends its services throughout Minnesota.

Fargo
Website

Expertise.com Rating

Review Sources

Google
5.0 (30)
Facebook
5.0 (6)

Why choose this provider?

Superior Insurance Agency is the best independent insurance agency serving clients across North Dakota. This full-service business provides cheap insurance plans for various types of properties, such as homes, condos, farms, and recreational vehicles. It designs homeowners� insurance policies that cover property structures, personal belongings, and liability. Additional insurance products offered by the company include flood and scheduled personal property insurance for high-value items. The agency has two offices located in the state and is also licensed in Minnesota.

Fargo
Website

Expertise.com Rating

Why choose this provider?

Fargo Insurance Agency caters to individuals, families, and businesses in North Dakota. It offers a variety of insurance products, such as homeowner's insurance plans. It provides the best coverage plans for damage caused by unexpected circumstances, such as hurricanes, earthquakes, and windstorms. It also has policies that protect high-value belongings, including furs, jewelry, watches, silver, stamps and coins, and fine arts. The agency carries plans from many insurance carriers in the market and insures mobile homes, vacation rental homes, and condos.

Fargo

Expertise.com Rating

Why choose this provider?

Rj Bailey Insurance Center serves clients throughout North Dakota. The agency provides the best insurance solutions for homeowners looking to protect their homes and possessions. It offers coverage against damage and losses from fires and theft. The agency also educates individuals about flood coverage options and provides a wide selection of insurance policies from multiple carriers. Cory Theuninck, the agency�s founder, has been in the insurance service industry since 2005 and is a member of the National Association of Insurance and Financial Advisors.

West Fargo

Expertise.com Rating

Review Sources

Facebook
5.0 (34)
Google
4.8 (20)
Yelp
1.0 (1)

Why choose this provider?

Ihry Insurance caters to clients throughout North Dakota. It assists individuals and businesses with their insurance needs, offering a wide range of products. It provides the best homeowner's insurance plans covering dwellings and valuables from damage, losses, and theft. Its team also offers flood and earthquake insurance plans to protect high-value belongings such as furs, jewelry, and silverware. Clients can also add supplemental coverage for guaranteed or extended replacement costs. Gary and Mary Ihry, the company owners, established the independent agency in 1982.

West Fargo

Expertise.com Rating

Review Sources

Google
4.6 (17)
Facebook
5.0 (10)

Why choose this provider?

TCI Insurance has been operating as the best insurance provider in North Dakota since 1985. Its specialists offer homeowner's insurance policies and help clients create plans that cover their specific needs. It also provides policies for mobile homes, renters, valuable possessions, automobiles, and recreational vehicles. Additionally, its team offers clients umbrella policies for exceeding expenses that are not covered by their current homeowners' insurance plans. The full-service independent agency has been serving clients since 1985 and represents numerous insurance carriers.

Fargo

Expertise.com Rating

Review Sources

Facebook
4.2 (10)
Google
5.0 (4)
Yelp
3.0 (2)

Why choose this provider?

Grand Slam Insurance Agency, Inc., operates as the best insurance company that caters to North Dakota residents. It offers homeowner's insurance plans, helping clients in finding the best policy that addresses their coverage needs and budget. The agency provides coverages for property repairs, losses of valuables, liability, medical expenses, and living expenses. Clients can also include additional coverages for earthquake and flood damage, jewelry, and automobiles. This independent agency represents selected insurance companies and helps clients compare and choose packages.

Moorhead

Expertise.com Rating

Why choose this provider?

Amanda Nelson is the best State Farm insurance agent that serves North Dakota clients. She and her team provide homeowner's insurance plans that offer property owners the ability to repair their homes in case of unexpected events. These insurance plans cover keepsakes, furniture, electronics, and adjacent residential structures. Nelson also helps first-time homebuyers in selecting the best insurance coverage that suits their needs. She is also licensed in Minnesota and has been in the insurance industry since 2008.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Fargo Moorhead Insurance
428 25th Street South, Fargo, ND 58103
Heritage Insurance Services
3441 45th Street South, Fargo, ND 58104
greatnorthinsuranceservices.com
3220 4th Street East, West Fargo, ND 58078
Yahnke Insurance Agency
1704 Main Avenue, Fargo, ND 58103
Superior Insurance Agency
1002 28th Street South, Fargo, ND 58103
Fargo Insurance Agency
3523 45th Street South, Fargo, ND 58104
Rj Bailey Insurance Center
3611 Lincoln Street South, Fargo, ND 58104
Ihry Insurance
1291 13th Avenue East, West Fargo, ND 58078
TCI Insurance
158 W Beaton Drive, West Fargo, ND 58078
Grand Slam Insurance Agency Inc
4201 38th St S 205, Fargo, ND 58104
Amanda Nelson - State Farm Insurance Agent
600 8th Street South, Moorhead, MN 56560

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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