West Fargo Insurance Rates:

West Fargo, ND homeowners insurance is about $742 to $1,004, about $61-$83/month. Our exhaustive research indicates shoppers can save as much as $349 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
Security wise, i do feel very secure for having them as my insurance company, i know or i feel that they do have my back.
Travelers
The insurance company or broker take advantage of older customers by selling them additional coverage that is not necessary and very costly.
Nodak Mutual Insurance
The insurance agent we have is quick to come and inspect damage or deal with any possible claims we might have.
State Farm
When we had to file a claim 8 or so years ago, they, for the most part, were helpful. However, they have at times threatened to drop off from overuse or things we didn't do to our home. This was quite annoying.
Travelers
Their customer service is like any other customer service. I have not had to deal with them very much over the phone in the last 8 years.
Allstate
They paid me for everything even a new kids chair it was nice to know they had my back if I needed
Allstate
The only positive thing that I can say about the company was that eventually, I did receive payment to repair damages to my roof and fence.
Allstate
Overall, there is nothing I can do that is well-advertised at least to lower my rate or earn some additional discounts.

West Fargo, ND Homeowners Insurance By Home Value

West Fargo, ND Home Value Total Homes % of Total Average West Fargo, ND Homeowners Insurance
Less than $50,000 514 7.0% $139
$60,000 to $69,999 138 1.0% $375
$70,000 to $79,999 168 2.0% $437
$80,000 to $89,999 169 2.0% $498
$90,000 to $99,999 381 5.0% $550
$100,000 to $124,999 695 9.0% $638
$125,000 to $149,999 1,688 23.0% $804
$150,000 to $174,999 1,188 16.0% $952
$175,000 to $199,999 788 10.0% $1092
$200,000 to $249,999 762 10.0% $1319
$250,000 to $299,999 298 4.0% $1616
$300,000 to $399,999 396 5.0% $2053

Top Home Insurance Agents Near West Fargo, ND

Home Insurance Company Near West Fargo, ND Homeowners Insurance Agency Near West Fargo, ND Address
NA Ihry Insurance Agency 1291 13Th Avenue E West Fargo, West Fargo, ND, 58078
NA Mayport Insurance & Realty 713 Parke Ave, Portland, ND, 58274
NA Superior Insurance Agency 4820 30Th Avenue South, Fargo, ND, 58104
NA Ihry Insurance Agency 520 1St Avenue Nw, Hillsboro, ND, 58045
Travelers Insurance Brokers Of Mn Inc 308 E Main St, Ada, MN, 56510

Cost Of Homeowners Insurance By Street Near West Fargo, ND

Streets in West Fargo Area Homeowners Insurance Cost
9th Ave E, Heatherwood Ct, Sheyenne Trailer Ct, Cty Rd 20, 18 Ave W, 28 Ave S, Clubhouse Dr S, 81st Ave S, 49 St S, Co Rd 21$897
39th Ave W, 9th Ave W, 38 St S, Ruxton Ct, 49th St S, 47th Ave S, Woodland Cir, 34th Ave W, 2nd Ave E, Princeton Ln$889
Sundance Sq S, 32nd Ave SW, 34th Ave S, 60th Ave S, 7th Ln SW, Maple Pointe Blvd, 12 1/2 Ave E, 26th St NW, 38th St W, Arena Rd$888
46th St N, Baja Ln, Laredo Dr, 52nd St SW, 170 R Ave, Autumn Dr S, Park Blvd, 9th Ave W, 52nd St SW, Elm Dr$886
10th St E, 12th St E, Pentland St, 42nd Ave S, 4th St E, 2nd St W, el Tora Blvd S, 5th St NW, 75th St S, 10th Ave E$892

West Fargo, ND Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
West Fargo$130 to $133
Barnes$120
Fargo$131
Prairie Rose$137

West 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
Fargo city, North Dakota $131 $175 $263
Prairie Rose city, North Dakota $137 $183 $275
Frontier city, North Dakota $134 $179 $269

West 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
West Fargo, ND5.2%15.7%
Fargo5.22%13.94%
Prairie Rose4.64%16.12%
Frontier4.16%11.96%

West Fargo Renters Insurance as a Percentage of Rent

West Fargo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 84 2.0% $783
$300 to $499 476 15.0% $1233
$500 to $749 1,295 42.0% $1908
$750 to $999 645 21.0% $2658
$1,000 to $1,499 362 11.0% $3783
$1,500 or more 170 5.0% $5433

West Fargo, ND Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$3,700
Yearly West Fargo Homeowner Insurance Premium Example $1,600$1,100
Out of Pocket Expense During Claim$1,700$3,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $11,300$10,300
Net Savings to West Fargo Home Owner from High Deductible Plan $1,000

West Fargo, ND Home Insurance Costs With Home Replacement Value Scenarios

Scenario West Fargo, ND Home Replacement Value MORE than Home Value West Fargo, ND Home Replacement Value LESS than Home Value
Replacement Value $173,000 $122,500
Insurance Premium based on Replacement Value $925 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $21,500 Risk Exposure from Under Insuring Coverage is $29,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $125/year

Example West Fargo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmerican Family InsuranceAmica Mutual Insurance Company
Monthly Premium 6710788
Year Built 200620131986
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $175000-$200000$300000-$350000$250000-$300000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for West 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
2006 200,000 Wood Shake Roof 2,150 3 $1000-$2500 Deductible 670 8 Vinyl siding yes
1984 180,000 Slate Shingles Roof 1,770 4 $500 Deductible 910 9 Stucco siding yes
1989 165,000 Shingles Roof 2,170 3 $2500-$5000 Deductible 120 3 Brick siding yes
2009 145,000 Wood Shake Roof 1,720 3 $1000-$2500 Deductible 360 6 Wood siding yes
2013 400,000 Shingles Roof 4,420 5 $500- $1000 Deductible 1270 10 Brick siding No
2013 260,000 Wood Shake Roof 3,400 4 $5000 to $10,000 Deductible 450 8 Brick siding yes
2011 225,000 Metal Roof 2,220 4 $5000 to $10,000 Deductible 250 5 Fiber-Cement Siding yes
2006 365,000 Shingles Roof 4,350 5 $1000-$2500 Deductible 210 2 Fiber-Cement Siding yes
1981 210,000 Composition Roof 2,410 4 $500 Deductible 340 5 Fiber-Cement Siding No
2014 315,000 Membrane Roof 2,930 4 $1000-$2500 Deductible 350 3 Fiber-Cement Siding No
2011 180,000 Composition Roof 2,020 3 $500 Deductible 200 2 Vinyl siding yes
2000 190,000 Tile Roof 2,160 5 $500 Deductible 630 9 Stone Siding No
2009 230,000 Membrane Roof 2,380 3 $500- $1000 Deductible 260 3 Fiber-Cement Siding No
2009 190,000 Wood Shake Roof 2,370 4 $2500-$5000 Deductible 110 3 Vinyl siding No
2003 110,000 Membrane Roof 1,440 3 $500 Deductible 410 10 Brick siding yes
2013 185,000 Asphalt Shingles Roof 2,280 3 $2500-$5000 Deductible 320 6 Stone Siding yes
1986 110,000 Shingles Roof 1,380 3 $500 Deductible 510 10 Stone Siding No
1988 230,000 Tile Roof 2,300 4 $1000-$2500 Deductible 120 2 Stucco siding No
1984 240,000 Asphalt Shingles Roof 2,220 4 $500 Deductible 710 10 Stone Siding No
1983 435,000 Tile Roof 4,120 5 $2500-$5000 Deductible 980 6 Wood siding No
2004 150,000 Asphalt Shingles Roof 1,780 3 $500- $1000 Deductible 510 10 Stone Siding yes
1981 210,000 Composition Roof 2,480 5 $1000-$2500 Deductible 380 7 Fiber-Cement Siding yes
1987 365,000 Shingles Roof 4,820 5 > $10,000 Deductible 930 10 Fiber-Cement Siding No
1983 205,000 Composition Roof 2,270 3 $500 Deductible 760 8 Wood siding No
1981 160,000 Metal Roof 2,200 3 $2500-$5000 Deductible 50 1 Fiber-Cement Siding yes
1980 185,000 Wood Shake Roof 2,200 4 $1000-$2500 Deductible 470 7 Fiber-Cement Siding yes
2014 275,000 Membrane Roof 2,820 4 $500- $1000 Deductible 1150 12 Brick siding No
2007 250,000 Tile Roof 2,330 3 $500 Deductible 540 6 Wood siding yes
1982 440,000 Wood Shake Roof 4,470 5 $500- $1000 Deductible 1990 12 Stone Siding No
1988 165,000 Slate Shingles Roof 1,890 4 $2500-$5000 Deductible 400 7 Wood siding yes
2011 115,000 Slate Shingles Roof 1,500 5 $1000-$2500 Deductible 40 1 Brick siding yes
1981 375,000 Membrane Roof 4,990 5 $5000 to $10,000 Deductible 440 6 Stone Siding No
1982 125,000 Asphalt Shingles Roof 1,700 4 $500- $1000 Deductible 200 4 Stone Siding yes
2013 130,000 Metal Roof 1,240 3 $2500-$5000 Deductible 210 5 Vinyl siding yes