Bismarck Insurance Rates:

Bismarck, ND homeowners insurance is about $744 to $1,009, about $62-$84/month. Our complete analysis reveals consumers can save as much as $350 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I think they are very affordable compared to what I was paying. I am actually saving $900/mo with just about the same coverage.
State Farm
I definitely recommend anyone who is eligible to receive insurance from State Farm to obtain home insurance from this company!
Farmer's Insurance
I would say that my policy premium and deductible on my home insurance would be about the same as other providers. I have had to increase my deductible to keep my payment reasonable.
Geico
I would never make any recommendation about an insurance company. They are all criminals and capitalist pigs not necessarily in that order.
Allstate
I would recommend Allstate insurance because they're a well know company that values their customers. The customer service is great, and any claims I've filed in the past have been handle extremely well.
Nodak Mutual Insurance
The insurance company offers great and affordable rates that include bundling plans and discounts for multiple car policies and house insurance.
State Farm
State farm agents are knowledgeable, helpful, and seem to go out of their way to make sure they provide the coverage that is appropriate for the client.
Farm Bureau
They have a great staff at the current agency i go to. they always greet me right away and i never have to wait long. i think if they offered discounts for going so long without accidents or bonus's like that, they would get more clients.
State Farm
I have already covered this for all the questions above. The staff I have dealt with lack knowledge about the products that they offer. I could use an internet insurance company and not bother with the "extra" that I am sure is factored in for having human representatives.
Geico
I decided to go with Geico when I bought my house because they came so highly recommended by both family and neighbors. I have been very happy with their level of service so far. We'll see how that goes when I have to file my first claim.
Farm Bureau
In general, KFB has a lower premium than all other companies I have looked at for this home and location.
Geico
I haven't looked into other companies. I prefer to keep everything bundled together for one payment and ease with dealing with one company for auto.
Allstate
I recommend All State for home insurance and other insurance. they are always there to help and I am very satisfied with them. I will also look at other products they offer.
State Farm
I would 100% recommend this company. They are such great people! I consider myself friends with a lot of them and my family has been with them for decades.

Bismarck, ND Homeowners Insurance By Home Value

Bismarck, ND Home Value Total Homes % of Total Average Bismarck, ND Homeowners Insurance
Less than $50,000 2,322 13.0% $131
$50,000 to $59,999 218 1.0% $289
$60,000 to $69,999 250 1.0% $359
$70,000 to $79,999 211 1.0% $412
$80,000 to $89,999 428 2.0% $473
$90,000 to $99,999 590 3.0% $526
$100,000 to $124,999 1,481 8.0% $613
$125,000 to $149,999 2,635 15.0% $762
$150,000 to $174,999 3,312 18.0% $903
$175,000 to $199,999 2,040 11.0% $1043
$200,000 to $249,999 2,278 12.0% $1254
$250,000 to $299,999 1,120 6.0% $1534
$300,000 to $399,999 641 3.0% $1955

Top Home Insurance Agents Near Bismarck, ND

Home Insurance Company Near Bismarck, ND Homeowners Insurance Agency Near Bismarck, ND Address
Farmers Alan Hoerner 2331 Tyler Pkwy Ste 3, Bismarck, ND, 58503
Farmers Kyle Herman Lutcf 1022 E Divide Ave Ste C, Bismarck, ND, 58501
Farmers Melissa Hammond 4120 Memorial Hwy, Mandan, ND, 58554
State Farm Scott Reuppel 3831 Lockport St, Bismarck, ND, 58503-5539
Travelers Unity Insurance Agency Inc 217 MAIN ST, MCCLUSKY, ND, 58463

Bismarck, ND Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Bismarck, ND

Streets in Bismarck Area Homeowners Insurance Cost
W Roundup Rd, Granite Dr, McDonald Rd, York Ln, Atlas Dr, Apache St, Wilderness Cove Rd, Heartland Loop, Independence Ave, E Princeton Ave$872
E Interstate Ave, Woodsman Pl, Plainsman Rd, Warwick Loop, Dohn Ave, Deerewood Ln, 56th St NE, Whitney Ct, Delaware St, N 15th St$884
Springfield St, S 66th St, Remington Ave, W Divide Ave, Catherine Dr, Simle Dr, Saint Louis Pl, Burgundy Cir, Magnolia Dr, Irvine Loop$872
High Plains Rd, Sherwood Ln, 34th St NW, Burnt Boat Dr, Grimsrud Dr, Contessa Dr, Billings Dr, E Ave A, Nevada St, E Sweet Ave$894
Earhart Ln, Corona St, Sully Dr, Munich Dr, Sumter Ct, Harbor Dr, Kennedy Ave, 43rd Ave NW, American Ave, 41st St SE$886
Hale Ln, Montana Dr, Maryland St, Concord Dr, Stagecoach Cir, W Ave D, 27th St NE, S 24th St, E Indiana Ave, Rutland Dr$890
Pine Ave, Barston Ln, E Ave F, Berreth St, W Arbor Ave, Regina Pl, W Rosser Ave, W Bonn Blvd, S 22nd St, Toronto Dr$880
W Century Ave, 78th Ave NE, Sudbury Ave, Channel Dr, N 2nd St, S 12th St, Arabian Ave, W Central Ave, Lincoln Rd, Peterson Rd$927
Alberta Ave, Xavier St, Niagara Dr E, E Ave A, Columbine Ln, Ringneck Rd, Summit Blvd, Weir Dr, Derek Dr, England St$880
76th Ave SE, Allen Dr, Sundance Loop, Jackson Ave, Sharps Loop, N 7th St, Arcata Dr, S Bell St, Horseshoe Bend, 54th St NW$914

Bismarck, ND Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Bismarck$131 to $133
Captain's Landing$120
Hay Creek$137
Lincoln$130

Bismarck, ND Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Captain's Landing township, Morton County, North Dakota $101 $134 $201
Hay Creek township, Burleigh County, North Dakota $115 $153 $229
Lincoln city, North Dakota $109 $145 $217

Bismarck, ND Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Bismarck, ND5.6%16.2%
Hay Creek4.63%15.84%
Lincoln6.4%18.81%
Lincoln-Fort Rice4.56%13.56%

Bismarck Renters Insurance as a Percentage of Rent

Bismarck Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 186 2.0% $332
$200 to $299 210 2.0% $782
$300 to $499 1,598 17.0% $1232
$500 to $749 4,197 46.0% $1907
$750 to $999 1,960 21.0% $2657
$1,000 to $1,499 605 6.0% $3782
$1,500 or more 197 2.0% $5432

Bismarck, ND Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Bismarck Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,100$7,500
Net Savings to Bismarck Home Owner from High Deductible Plan $600

Bismarck, ND Home Insurance Costs With Home Replacement Value Scenarios

Scenario Bismarck, ND Home Replacement Value MORE than Home Value Bismarck, ND Home Replacement Value LESS than Home Value
Replacement Value $194,500 $132,500
Insurance Premium based on Replacement Value $1,100 $750
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $27,000 Risk Exposure from Under Insuring Coverage is $35,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $150/year

Example Bismarck Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateFarmers Insurance
Monthly Premium 488669
Year Built 197520121967
Home Details 2 Beds, 1 Baths4 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $150000-$175000$200000-$250000$175000-$200000
Deductible $1000-$2500 Deductible$500 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Bismarck, ND from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1975 200,000 Wood Shake Roof 1,980 3 $2500-$5000 Deductible 340 5 Stucco siding No
2008 150,000 Membrane Roof 1,590 2 $1000-$2500 Deductible 230 5 Wood siding No
1994 480,000 Metal Roof 4,330 5 $5000 to $10,000 Deductible 680 6 Brick siding yes
2012 305,000 Metal Roof 2,710 4 $2500-$5000 Deductible 350 4 Brick siding No
1997 300,000 Slate Shingles Roof 2,680 5 $500- $1000 Deductible 1460 10 Wood siding No
1990 200,000 Wood Shake Roof 2,250 4 $500 Deductible 80 1 Stone Siding No
1977 150,000 Metal Roof 1,600 2 $1000-$2500 Deductible 170 3 Stone Siding yes
2012 90,000 Composition Roof 900 2 $2500-$5000 Deductible 170 6 Brick siding No
1982 320,000 Metal Roof 3,350 5 $5000 to $10,000 Deductible 540 8 Vinyl siding yes
1987 155,000 Composition Roof 1,370 2 $2500-$5000 Deductible 140 4 Vinyl siding yes
1960 85,000 Asphalt Shingles Roof 1,070 2 $500 Deductible 230 6 Brick siding No
1991 285,000 Composition Roof 3,460 5 > $10,000 Deductible 70 1 Brick siding No
2014 120,000 Asphalt Shingles Roof 1,460 2 $1000-$2500 Deductible 380 9 Stucco siding No
1986 210,000 Metal Roof 2,270 3 $5000 to $10,000 Deductible 180 4 Stone Siding yes
2001 280,000 Metal Roof 2,600 4 $1000-$2500 Deductible 750 7 Vinyl siding No
1979 385,000 Shingles Roof 4,720 5 $1000-$2500 Deductible 1390 12 Stone Siding yes
1994 220,000 Shingles Roof 2,080 3 $2500-$5000 Deductible 550 8 Fiber-Cement Siding yes
1967 460,000 Composition Roof 4,920 5 $500 Deductible 630 3 Stucco siding No
2011 195,000 Shingles Roof 2,240 4 $5000 to $10,000 Deductible 560 8 Wood siding No
1969 100,000 Composition Roof 960 2 $500- $1000 Deductible 140 4 Fiber-Cement Siding No
2010 455,000 Shingles Roof 4,550 5 $500- $1000 Deductible 770 3 Vinyl siding No
1997 145,000 Slate Shingles Roof 1,710 3 $500 Deductible 670 10 Vinyl siding No
1966 150,000 Wood Shake Roof 1,890 5 $2500-$5000 Deductible 80 2 Stucco siding No
1985 110,000 Asphalt Shingles Roof 1,430 3 $1000-$2500 Deductible 240 8 Stucco siding yes
1969 530,000 Membrane Roof 4,730 5 $500 Deductible 2300 12 Brick siding yes
1990 230,000 Metal Roof 3,010 4 $1000-$2500 Deductible 800 12 Wood siding No
1971 465,000 Metal Roof 4,820 5 $5000 to $10,000 Deductible 990 7 Brick siding No
2004 200,000 Metal Roof 2,600 4 $500 Deductible 230 4 Wood siding yes
2010 100,000 Slate Shingles Roof 1,070 2 $500- $1000 Deductible 490 12 Brick siding No
1971 165,000 Tile Roof 2,170 5 $1000-$2500 Deductible 340 8 Stone Siding yes
2005 105,000 Composition Roof 1,000 2 $500 Deductible 540 12 Stucco siding No
1969 180,000 Shingles Roof 1,690 2 $500- $1000 Deductible 70 1 Stone Siding No
1962 215,000 Metal Roof 2,030 4 $1000-$2500 Deductible 310 3 Fiber-Cement Siding No

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