Best condo insurance in North Dakota

Condo insurance isn’t required by law in North Dakota, but your mortgage company likely requires it. Condo insurance is a home insurance policy that covers everything inside your condo, while the homeowners association’s insurance covers the outside of your building and common areas.

Depending on your HOA’s rules, your condo insurance may cover not only personal property, but also provides dwelling coverage known as building property coverage, for the interior of the structure. Make sure you know how much condo insurance you need before you buy condo insurance.

To find the best condo insurance in North Dakota, we’ve gathered data on the top companies. Below you’ll find a list of the best condo insurance companies in North Dakota with average annual rates.

Best condo insurance companies in North Dakota

In North Dakota, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction ratings of major insurers in North Dakota. Below are the best condo insurance companies in North Dakota based on Insurance.com’s analysis.

Average cost of condo insurance in North Dakota

The average cost of condo insurance in North Dakota is $319 a year or $27 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

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CONDO INSURANCE CALCULATOR

Average condo insurance rates in NORTH DAKOTA

Zip

Personal Property Coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings.

$40,000$60,000$80,000$100,000 $60,000

Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims.

$1,000 $1,000

Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended.

$100,000$300,000 $100,000

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58642 - Manning

Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $337

HIGHEST RATE: $1,102 LOWEST RATE: $132

Most & least expensive zip codes for condo insurance in North Dakota

Most Expensive

Zip Code	City	Highest Rate
58622	Belfield	$338
58623	Bowman	$338
58520	Almont	$338
58524	Braddock	$338

Least Expensive

Zip Code	City	Lowest Rate
58202	Grand Forks	$325
58201	Grand Forks	$325
58204	Grand Forks AFB	$325
58203	Grand Forks	$325

• METHODOLOGY +

  Methodology ×

  Insurance.com commissioned Quadrant Information Systems to provide condo insurance rates for nearly every ZIP code in the country from up to six major insurers. The applicant profile is of a married, 35-year-old who has filed no claims in five years. Coverage includes dwelling coverage of $50,000, medical payments coverage of $5,000, contents replacement at replacement value and loss of use at 10 percent of personal property limit.

Condo insurance rates by company in North Dakota

Rates for condo insurance by company in North Dakota vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in North Dakota. The cheapest company for condo insurance in North Dakota is Metropolitan. Nodak Insurance, and State Farm, are the second and third cheapest options.

Methodology

Insurance.com compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.