Fargo Insurance Rates:

Fargo, ND homeowners insurance is roughly $743 to $1,008, about $61-$84/month. Our detailed 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

Farmer's Insurance
The farmers insurance is bad service, it is too slow service when the door of my house was broken by the auto.
State Farm
The payment dates are easily changeable depending on your needs or ability to pay on a certain date. they make it very easy to maintain the account.
Farm Bureau
The employees seem to really care and offer a good service.
Farm Bureau
I do not have any problems with my insurance company's website. I go in every month to pay my bill.
Farm Bureau
I like Farm Bureau's website because it is very easy to navigate. I can sign in and pay my bill or look up information very quickly. I don't have to spend a lot of time clicking around trying to find what I need.
Geico
They have always been very helpful. I have been fortunate to never need my insurance, but I feel I can count on them if I ever do need help.
Allstate
I like that they have some very good customer service and they put their customers first. They want what is best for people.
Farm Bureau
We don't have any dislike of Farm Bureau. We have been customers for many years and will continue being customers for the foreseeable future.
State Farm
The package has the standard amount of coverage. I am surprised at how small the deductible is given the relatively large upfront cost I paid of over $2,000.
State Farm
I have no complaints against the company, on the contrary, it seems to me that everything is very good, I hope it continues to be so.
Allstate
Good customer service, national recognition,
Allstate
As with anything, I'm sure most people would prefer to pay less. I don't necessarily like that the home insurance portion is higher than other companies I checked, but I rationalize staying with Allstate based on the money saved with auto insurance added in.
Safeco Insurance
I have no reason not to recommend the home insurance that we have. Although it did not cover our storm damage, upon research, we found that other companies would not have either.
Progressive
Progressive has a user friendly website. the company is huge. They make pretty funny commercials. And if your anything like my husband an I. it would be hard for us to come up with a large amount of cash especially if we were robbed. The option for no deductible was a huge selling factor for us.
State Farm
Pricing of premiums and ease of paying when dealing with the local office are the things I like about the company other than that I can't think of anything.
Safeco Insurance
The company has competitive insurance rates and does provide the homeowner with a statement about a month prior to payment being due.
Allstate
I like that they are always ready to help and I like their prices. It is hard to beat this company because they really want to help people that use them.
Allstate
I dislike working with insurance companies in general. It is always stressful, and it feels like they are penny-pinching sometimes.

Fargo, ND Homeowners Insurance By Home Value

Fargo, ND Home Value Total Homes % of Total Average Fargo, ND Homeowners Insurance
Less than $50,000 1,040 5.0% $140
$60,000 to $69,999 240 1.0% $367
$70,000 to $79,999 466 2.0% $420
$80,000 to $89,999 583 2.0% $481
$90,000 to $99,999 1,099 5.0% $533
$100,000 to $124,999 2,790 13.0% $621
$125,000 to $149,999 3,944 19.0% $778
$150,000 to $174,999 2,837 13.0% $918
$175,000 to $199,999 2,056 10.0% $1058
$200,000 to $249,999 2,844 13.0% $1277
$250,000 to $299,999 1,397 6.0% $1557
$300,000 to $399,999 1,073 5.0% $1986

Top Home Insurance Agents Near Fargo, ND

Home Insurance Company Near Fargo, ND Homeowners Insurance Agency Near Fargo, ND Address
Liberty Mutual Independent Warner And Company 318 BROADWAY N, FARGO, ND, 58102
NA Halvorson Company, Inc 3320 Westrac Drive South 3320 Westrac Drive South, Fargo, ND, 58103
NA Twin Valley Insurance Agency, Llc Po Box 247 Twin Valley, Twin Valley, MN, 56584
State Farm David Eggers 1401 8th St S, Moorhead, MN, 56560-3605
Allstate Modern Ins Service 1135 Washington Ave Ste 101, Detroit Lakes, MN, 56501

Cost Of Homeowners Insurance By Street Near Fargo, ND

Streets in Fargo Area Homeowners Insurance Cost
Co Rd 81 S, 28 1/2 Ave S, Briarwood Pl, 52 1/2 St SE, Co Rd 8, Cinnamon Ridge Pl, Elm St N, 16th Ave NW, 11th Ave S, S River Dr$897
Bakers Ln N, 27th Ave N, 40th Ave W, Dakota Park Cir, Peterson Pkwy NE, 169th Ave SE, 52nd St S, Sunrise Dr, Great Northern Dr, 29th Ave S$887
70th St S, 5th Ave S, 21st St E, Northwood Dr, 1st Ave SE, 36th St SW, 6th Ave S, 12th St E, Eagle Run Dr, 36 Ave N$897
39 1/2 Ave W, 57 1/2 Ave N, Whitestone Cir, Fillmore St S, 4th Ave N, 31st Ave N, 44th St N, 31st Ave SW, Sagittarius Cir, 60th Ave S$894
47th St S, 34th Ave S, 12th Ave S, Dakota Dr, Burrell Ct N, 35 St S, 48th Ave N, 16 1/2 St S, 7th Ave E, Windwood St S$934
39 1/2 Ave S, 41st Ave W, 49th Ave E, Kelly St N, 24th Ave S, South Ter, Horseshoe Bend, Cherry Ln, Lincoln St S, Auburn Ave$897
Eagle Run Ln, 112th Ave S, 7th Ave S, 16th St N, 50th St SE, 37 1/2 Ave S, 52nd St SW, 47th Ave S, Railroad Ave N, Co Rd 22$887
10th St W, 33 1/2 Ave S, 52nd St SE, Queens Way, 47 Ave S, Co Rd 17, Meadowlark Ln, 41st Ave SW, 36th St S, 17th Ave N$904
52nd Ave N, 27th St SW, Birdie St NE, Dakota Dr N, 51 St S, Co Rd 24, Suntree Dr, 41st Ave S, W Lynmar N, Kensington Dr$888
26th Ave N, 53 Ave S, 48th St SW, 29th Ave N, 30th St S, Monroe St, Lind Ln, 46th Ave SW, W Ponderosa Dr, 32nd Ave E$895

Fargo, ND Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fargo$131 to $133
Prairie Rose$137
West Fargo$131
Moorhead$150

Fargo, 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
Prairie Rose city, North Dakota $115 $153 $229
West Fargo city, North Dakota $109 $145 $218
Moorhead city, Minnesota $126 $167 $251

Fargo, 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
Fargo, ND5.2%13.9%
Prairie Rose4.64%16.12%
West Fargo5.18%15.7%
Moorhead6.44%19.45%

Fargo Renters Insurance as a Percentage of Rent

Fargo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 536 2.0% $782
$300 to $499 4,314 16.0% $1232
$500 to $749 12,368 48.0% $1907
$750 to $999 4,972 19.0% $2657
$1,000 to $1,499 2,359 9.0% $3782
$1,500 or more 709 2.0% $5432

Fargo, ND Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$4,100
Yearly Fargo Homeowner Insurance Premium Example $2,400$1,800
Out of Pocket Expense During Claim$1,100$4,100
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $17,900$16,700
Net Savings to Fargo Home Owner from High Deductible Plan $1,200

Fargo, ND Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fargo, ND Home Replacement Value MORE than Home Value Fargo, ND Home Replacement Value LESS than Home Value
Replacement Value $221,000 $133,000
Insurance Premium based on Replacement Value $1,100 $675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $46,500 Risk Exposure from Under Insuring Coverage is $41,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $225/year

Example Fargo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company American Family InsuranceLiberty MutualAllstate
Monthly Premium 572254
Year Built 198320021999
Home Details 4 Beds, 1 Baths2 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $200000-$250000$50000-$75000$150000-$175000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1947 215,000 Tile Roof 2,590 5 $500 Deductible 720 8 Wood siding yes
1997 165,000 Tile Roof 1,740 3 $2500-$5000 Deductible 320 6 Fiber-Cement Siding No
2001 120,000 Shingles Roof 1,510 5 $1000-$2500 Deductible 330 8 Wood siding No
1984 115,000 Asphalt Shingles Roof 1,040 2 $1000-$2500 Deductible 30 1 Stone Siding yes
1949 295,000 Tile Roof 3,070 5 $5000 to $10,000 Deductible 330 3 Wood siding yes
2006 230,000 Tile Roof 2,340 3 > $10,000 Deductible 620 12 Stone Siding yes
1946 225,000 Shingles Roof 2,290 4 $500 Deductible 190 3 Fiber-Cement Siding yes
1946 140,000 Composition Roof 1,430 3 $1000-$2500 Deductible 370 7 Vinyl siding yes
1995 180,000 Metal Roof 2,290 5 $5000 to $10,000 Deductible 110 2 Stone Siding No
1995 210,000 Composition Roof 2,520 4 > $10,000 Deductible 360 8 Vinyl siding yes
2001 225,000 Membrane Roof 2,930 4 $500- $1000 Deductible 640 8 Vinyl siding yes
2013 115,000 Tile Roof 1,050 2 $2500-$5000 Deductible 420 12 Vinyl siding yes
1942 80,000 Asphalt Shingles Roof 990 2 $1000-$2500 Deductible 230 12 Fiber-Cement Siding No
2004 130,000 Membrane Roof 1,630 3 $500- $1000 Deductible 40 1 Stucco siding yes
2014 425,000 Shingles Roof 4,230 5 $500- $1000 Deductible 1070 7 Stucco siding yes
1945 200,000 Asphalt Shingles Roof 2,130 3 $5000 to $10,000 Deductible 180 3 Fiber-Cement Siding No
1987 265,000 Wood Shake Roof 3,280 5 > $10,000 Deductible 520 10 Brick siding No
2006 155,000 Composition Roof 1,610 2 $5000 to $10,000 Deductible 270 7 Vinyl siding yes
1987 165,000 Slate Shingles Roof 1,960 3 $5000 to $10,000 Deductible 650 12 Vinyl siding No
1986 240,000 Membrane Roof 2,640 4 $1000-$2500 Deductible 490 6 Fiber-Cement Siding yes
2011 255,000 Shingles Roof 3,110 5 $1000-$2500 Deductible 480 7 Stone Siding yes
1940 215,000 Wood Shake Roof 2,540 4 > $10,000 Deductible 280 6 Fiber-Cement Siding No
1995 115,000 Membrane Roof 1,410 2 $500 Deductible 70 2 Stucco siding No
1940 90,000 Tile Roof 930 2 $500- $1000 Deductible 110 3 Brick siding No