North Dakota Homeowners Insurance

Living in the Peace Garden State

From chocolate-covered potato chips to hotdish, North Dakotans have their own way of doing things in the northern Great Plains. If you call home near the capitol in Bismarck, out west near Williston or on the eastern border near Grand Forks and Fargo, wherever you live in North Dakota Safeco offers insurance coverage for your home in the Upper Midwest. When thinking about home insurance coverage in North Dakota, consider how the climate and severe weather of the Great Plains can adversely affect your home and property. Get your North Dakota home insurance quote today.

North Dakota Home Insurance Choices

Safeco Essential™

With standard coverage to help pay for repairs or to rebuild your home and other buildings on your property, Safeco Essential™ offers North Dakota homeowners an affordable blend of home insurance coverage and value.

Safeco New Quality-Plus™

For North Dakota homeowners looking for more than our standard level of coverage, Safeco New Quality-Plus™ offers additional coverage and higher limits than Safeco Essential™.

Safeco Optimum™

North Dakota homeowners who need additional coverage for extensive assets and treasured belongings should consider Safeco Optimum™ with its increased levels of protection.

North Dakota Home Insurance Discounts

Safeco offers several ways for North Dakotans to lower your homeowners insurance bill. In addition to our standard home insurance discounts, North Dakota homeowners have even more opportunities to save.

Hail-Resistant Roofing

Save 10% on your North Dakota homeowners insurance bill if your home is constructed with at least UL class 4 impact-resistant roofing.

North Dakota Home Insurance Coverage Options

All Safeco North Dakota homeowners insurance policies come packed with standard coverage to help pay for repairs or to rebuild your home and other buildings on your property. Also called endorsements or riders, North Dakotans have the option to choose even more types of home insurance coverage in addition to our many popular home insurance coverage options.

Above and Beyond

Get an additional 25% or 50% more protection than the limit stated in your policy. In the event of a major or total loss to your home, extended dwelling coverage will help pay for unexpected repair or rebuilding costs that exceed the amount covered by your base North Dakota homeowners insurance policy.

Home Business

Coverage for property, merchandise and liability related to some types of home-based businesses such as music lessons, tutoring and accounting can be added to your North Dakota homeowners policy.

Home Day Care

Get liability coverage for home day care services provided in your home for up to three people.

Hobby Farm Insurance

If your farm is not your main source of income and meets certain eligibility requirements, incidental farming coverage helps cover the cost of damage to your farm property, tools and equipment and for animal collisions. Your home insurance liability coverage is extended to your hobby farm and adds medical payments for farm employees. Ask your Safeco agent if hobby farm insurance is right for you and your farm.

Libel and Slander

Protection for nonphysical injuries like libel and slander are not part of a standard home insurance policy. Add personal offense coverage to help protect yourself against libel and slander liability.

Severe Weather and Acts of Nature in North Dakota

Flooding in North Dakota

Flooding can happen anywhere in North Dakota. However, communities along the Red River or built within gradual depressions are more susceptible. The risk of overland flooding increases when heavy rainfall and spring snowmelt overwhelm rivers, streams, and natural and urban drainage systems.

Does home insurance cover flood damage?

Flood damage is not covered by a standard homeowners insurance policy. To insure your home against flood damage, you need to purchase flood insurance backed by the National Flood Insurance Program. Learn more about floods on the Flood Smart website.

Thunderstorms and Lightning

Thunderstorms bring high winds, lightning and hail. Lightning can start wildfires and cause electrical surges that damage home electronics. Lightning and high winds can also knock over trees and tree branches that can cause damage your home or your neighbor’s home and property.

Is damage from lightning strikes covered by home insurance?

The cost to repair common lightning and wind damage associated with thunderstorms is covered as part of a typical home insurance policy.

Hailstorms in North Dakota

Hail is capable of causing significant damage to shingled roofing, skylights and windows. North Dakota homeowners with hail-resistant roofing may qualify for a discount.

Does home insurance cover hail damage in North Dakota?

A typical home insurance policy covers the cost to repair common hail damage to your roof, siding and personal belongings..

Wildfires in North Dakota

Wildfires have been started naturally for millions of years. But they also get their start by human error and carelessness. In the summer of 2000 a massive wildfire near Helena, Mont., was started by charcoal dumped from a barbecue and burned through 24,000 acres in just two days.

Does home insurance cover wildfire damage?

Most standard home insurance policies typically cover the cost to repair common wildfire damage to your home and personal belongings.

Are lightning strikes covered by home insurance?

The cost to repair common lightning and wind damage associated with thunderstorms is covered as part of a typical home insurance policy.

North Dakota Hail

Hail the size of golf balls has been known to fall from the sky in North Dakota. Hail is capable of causing significant damage to shingled roofing, skylights and windows.

Does home insurance cover hail damage?

Your homeowners insurance policy typically covers the cost to repair common hail damage to your roof, siding and personal belongings.

Tornadoes in North Dakota

Between 1950 and 2012 North Dakota has had an average of 23 tornadoes touch down each year. Though most tornadoes that touch down in North Dakota are rated F2 or below, all tornadoes should be considered dangerous. In the summer of 1957, one of only two F5 tornadoes on record in North Dakota tracked through Fargo, causing significant damage.

Does home insurance cover tornado damage in North Dakota?

A typical home insurance policy covers the cost to repair damage caused by a tornado.

Winter Weather in North Dakota

Below freezing temperatures are common in North Dakota winters. The coldest winter on record in N.D. occurred in 1936 with a temperature of minus 60 F.

Cold winter temperatures can:
  • Freeze and burst pipes
  • Damage gutters and shingles
Heavy, wet snow can:
  • Overload and collapse your roof
  • Break tree branches that fall and damage your home
Is home damage from winter weather covered by home insurance?

Your home insurance policy typically helps cover the cost to repair common winter weather damage to your roof, plumbingand personal belongings.

Wildfires in North Dakota

North Dakota has a long history of both natural and human-started wildfires. Common sources of wildfire outbreaks include lighting, sparks from machinery and human carelessness. Grasslands and prairie combined with hot, dry summers put North Dakota homes at risk to wildfires.

Does home insurance cover wildfire damage in North Dakota?

Your home insurance policy typically covers the cost to repair common wildfire damage to your home and personal belongings.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506