Abercrombie, ND Best Homeowners Insurance - August 2026
Brian McKay
Brian McKay
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Abercrombie, North Dakota homeowners insurance costs an estimated $96/month with Travelers, $132/month with Chubb, $90/month with Auto-Owners Insurance, $83/month with USAA, and $98/month with Nationwide, according to MonitorBankRates estimates built from U.S. Census Bureau cost data for Abercrombie and each carrier’s typical price positioning. Ratings and full estimates for every major carrier are below.
North Dakota scores 105.1 on our proprietary MBR Home Insurance Burden Index (moderate burden, #19 heaviest of the 50 states and D.C.), which measures how hard insurance costs hit local incomes and home values against a national baseline of 100.
Figures reflect the most recent official NAIC and U.S. Census Bureau data for Abercrombie, North Dakota. Your actual premium depends on your home’s location, construction, claims history, coverage limits, and deductible. Last Updated and Verified: August 29, 2026
Best Homeowners Insurance Companies in Abercrombie, North Dakota
These are the top-rated homeowners insurance companies writing coverage in North Dakota, ranked by the MonitorBankRates Carrier Rating—our independent score built from NAIC consumer complaint data (40%), price competitiveness (25%), AM Best financial strength (20%), and J.D. Power customer satisfaction scores (15%). Estimated monthly costs are MonitorBankRates estimates derived from the Abercrombie, North Dakota median of $98/month (U.S. Census Bureau) adjusted for each carrier’s typical price positioning—they are planning figures, not quotes.
| # | Company | MonitorBankRates Rating | Est. Cost/mo* | AM Best | NAIC Complaints |
|---|---|---|---|---|---|
| 1 | USAA | 5.0/5.0 | $83/mo | A++ | Far fewer complaints than expected |
| Best for: Military families and veterans (Military members, veterans, and eligible family only) · Pros: Highest J.D. Power satisfaction score in the study (not rank-eligible); replacement cost coverage standard; rates typically below market median. · Cons: Membership restricted to the military community; few local branch offices. | |||||
| 2 | State Farm | 4.6/5.0 | $93/mo | A++ | Fewer complaints than expected |
| Best for: Overall value and local agent network · Pros: Largest U.S. home insurer; extensive local agent network; competitive rates; strong bundling discounts with auto. · Cons: Coverage options and endorsements less flexible than some rivals; no flood coverage (NFIP referral only). | |||||
| 3 | Auto-Owners Insurance | 4.6/5.0 | $90/mo | A++ | Far fewer complaints than expected |
| Best for: Customizable coverage through independent agents · Pros: A++ financial strength; flexible endorsements; sold through independent agents who can compare options. · Cons: Available in about half of states; quotes only through agents, limited online tools. | |||||
| 4 | Amica | 4.6/5.0 | $103/mo | A+ | Far fewer complaints than expected |
| Best for: Claims satisfaction and dividend policies · Pros: #1 in the J.D. Power 2025 Home Insurance Study; dividend policies can return part of the premium; strong customer service. · Cons: Premiums often above median; no local agents (direct writer). | |||||
| 5 | American Family | 4.4/5.0 | $93/mo | A | Far fewer complaints than expected |
| Best for: Midwest and Western homeowners · Pros: Low complaint volume; diminishing deductible and matching-siding coverage available; strong bundling discounts. · Cons: Writes homeowners policies in only 19 states; A (not A+/A++) financial strength rating. | |||||
| 6 | Chubb | 4.4/5.0 | $132/mo | A++ | Far fewer complaints than expected |
| Best for: High-value homes · Pros: Extended replacement cost and cash-settlement options; #2 in J.D. Power satisfaction; very low complaint volume. · Cons: Built for higher-value homes; premiums well above median for standard houses. | |||||
| 7 | Travelers | 4.3/5.0 | $96/mo | A++ | Fewer complaints than expected |
| Best for: Green home and roof coverage options · Pros: A++ financial strength; green rebuilding endorsement; broad discount menu including smart-home devices. · Cons: Below-average J.D. Power satisfaction score; some coverage varies by state. | |||||
| 8 | Nationwide | 4.3/5.0 | $98/mo | A+ | Fewer complaints than expected |
| Best for: Better Roof Replacement and ordinance coverage · Pros: Better Roof Replacement endorsement rebuilds with stronger materials; ordinance/law coverage standard on many policies. · Cons: Has pulled back capacity in some catastrophe-exposed markets; average premiums near or above median. | |||||
| 9 | Allstate | 3.9/5.0 | $98/mo | A+ | About as expected |
| Best for: Add-on endorsements and flood options · Pros: Wide endorsement menu (water backup, identity theft, yard coverage); private flood insurance available; large agent network. · Cons: Complaint volume runs slightly above the industry-expected level; rates vary widely by region. | |||||
| 10 | Farmers Insurance | 3.8/5.0 | $108/mo | A | About as expected |
| Best for: Tiered coverage packages · Pros: Three clear package tiers make comparison simple; claim forgiveness and declining deductibles available. · Cons: Premiums frequently above market median; has reduced presence in some high-risk states. | |||||
| 11 | Progressive Home | 3.8/5.0 | $100/mo | A+ | More complaints than expected |
| Best for: Bundling home with Progressive auto · Pros: Strong auto-bundle discounts; policies written through in-house and partner carriers for flexibility. · Cons: Home policies serviced by multiple underwriting partners, so experience varies; above-average complaint volume. | |||||
| 12 | Liberty Mutual | 3.3/5.0 | $108/mo | A | Far more complaints than expected |
| Best for: Online quoting and discounts · Pros: Fast online quotes; wide discount list including new-roof and claims-free discounts. · Cons: Complaint index runs well above the industry-expected level; premiums often above median. | |||||
MonitorBankRates Rating methodology: The MonitorBankRates Carrier Rating combines four independently verifiable measures of carrier performance. NAIC complaint data (40%): MonitorBankRates examined consumer complaints reported to state insurance regulators and published by the National Association of Insurance Commissioners. The NAIC calculates a complaint index for each insurer measuring its share of total complaints relative to its share of premiums; 1.0 means complaint volume matches market size, and lower is better. MonitorBankRates weights each group's homeowners-line complaint index across its subsidiaries. Price (25%): where a state insurance department publishes a premium comparison survey, carrier price scores are computed from those published premiums; otherwise from the carrier's typical price positioning in published national data. Financial strength (20%): AM Best Financial Strength Ratings. Customer satisfaction (15%): overall satisfaction scores from the J.D. Power 2025 U.S. Home Insurance Study (1,000-point scale). MonitorBankRates conducts this analysis independently, without endorsement by the NAIC, AM Best, or J.D. Power. *Estimated monthly costs are MonitorBankRates estimates: the Abercrombie, North Dakota median insurance cost from U.S. Census Bureau data, adjusted by each carrier's typical published price positioning. Your actual quote depends on your home and coverage choices. Availability of specific carriers varies; North Dakota carriers shown write coverage in the state as of 2026.
Today’s True Monthly Cost of Owning in Abercrombie, North Dakota
Principal & interest at today’s ND average mortgage rate from our monitored lender network, plus Census property taxes and the insurance cost on this page. Updated daily.
On the median Abercrombie home, insurance now adds $98 a month on top of the mortgage payment and property taxes. Because most lenders escrow insurance, a premium increase at renewal raises this total even on a fixed-rate loan; comparing carriers is the one piece of this stack you can shop every year.
MBR Home Insurance Burden Index (MBR-HIBI)
Our composite measure of how heavily homeowners insurance weighs on North Dakota households, relative to a national baseline of 100.
A score of 105.1 puts North Dakota near the national norm: insurance takes a similar bite of income and home value here as it does for the typical U.S. homeowner.
What Homeowners Insurance Costs in Abercrombie, North Dakota
Official figures from the U.S. Census Bureau and the National Association of Insurance Commissioners.
Compared to the North Dakota statewide median of $1,411/yr, Abercrombie homeowners pay 17% less. See the full North Dakota guide
What If You Can’t Get Coverage in North Dakota?
North Dakota is one of the minority of states with no FAIR plan or state insurer of last resort. North Dakota has no FAIR plan; hail-related availability problems are handled in the private market.
If standard carriers decline your Abercrombie, North Dakota home, work with an independent agent who can access surplus lines insurers, specialty carriers that write higher-risk properties outside standard rate regulation. Expect higher premiums and read the policy form closely; surplus lines coverage is not backed by the state guaranty fund. Improving the risk itself, a new roof, updated electrical and plumbing, wildfire mitigation, is often the fastest route back to the standard market.
For consumer help, verifying an insurer’s license, filing a complaint, or understanding your rights after a nonrenewal, contact the North Dakota Insurance Department, the state regulator overseeing every carrier writing homeowners coverage in North Dakota.
Sources: North Dakota Insurance Department; Insurance Information Institute. Program terms change, confirm current details before applying.
Flood Insurance in North Dakota: Not Included in Your Policy
Standard North Dakota homeowners policies exclude flood damage entirely. Flood coverage is a separate policy, purchased through the FEMA-run National Flood Insurance Program or a private flood insurer, and lenders require it for homes in FEMA high-risk flood zones. Pricing under FEMA’s Risk Rating 2.0 is set property by property, so the state average above is context, not a quote; two houses on the same street can pay very different amounts. Roughly one in four NFIP flood claims comes from outside mapped high-risk zones, which is why many Abercrombie homeowners outside required zones carry it anyway. Most NFIP policies also carry a 30-day waiting period, so it cannot be bought as a storm approaches.
Source: FEMA National Flood Insurance Program pricing data (Risk Rating 2.0, single-family homes). Coverage terms and averages change as FEMA updates the program.
What Drives Homeowners Insurance Costs in Abercrombie, North Dakota
Homeowners insurance costs in Abercrombie, North Dakota track close to the national median (-13% versus the U.S. figure). That average conceals wide variation between individual homes: roof age, construction type, distance to a fire station, claims history, and coverage choices can move a quote hundreds of dollars in either direction.
The gap between mortgaged and mortgage-free owners is telling: Abercrombie owners with a mortgage report a median of $1,250/yr versus $971/yr without one, a 29% difference. Lender requirements for full replacement-cost dwelling coverage explain most of it, along with newer, larger homes among mortgaged owners. Owners without a mortgage have more freedom to tune coverage, though underinsuring a paid-off home is a risk in its own right.
Location & Catastrophe Exposure
The largest pricing factor at any North Dakota address: modeled exposure to wind, hail, wildfire, and severe storms, plus rebuilding cost per square foot in your local market. Distance to a fire station and hydrant feeds the model too.
Roof Age & Construction
The roof is the most claim-prone part of a house. Carriers surcharge or decline older roofs, and some pay only depreciated value on them. Impact-rated shingles, hurricane straps, and masonry construction earn discounts in exposed areas.
Deductibles & Coverage Choices
Raising an all-peril deductible from $1,000 to $2,500 typically cuts the premium meaningfully. Where wind/hail or hurricane percentage deductibles apply, understand exactly what share of a storm loss you would carry before choosing the cheaper quote.
Claims History & Insurance Score
Prior claims follow you and the property through the CLUE database for up to seven years. Where North Dakota permits credit-based insurance scoring, maintaining strong credit measurably lowers premiums.
How to Find the Best Homeowners Insurance in Abercrombie, North Dakota
There is no single best homeowners insurance company for every Abercrombie home. Carriers price the same house differently, sometimes by hundreds of dollars, so the best homeowners insurance in Abercrombie, North Dakota is found by comparing, not by picking a name-brand carrier on reputation alone. A practical process:
1. Get 3–5 Quotes for Identical Coverage
Match dwelling limit, deductible, and endorsements across every quote so you are comparing price alone. The cheapest quote for stripped-down coverage is not the best policy—it is just the cheapest.
2. Check Financial Strength & Complaints
The best carriers pay claims promptly after a widespread disaster. Check AM Best financial strength ratings and the NAIC complaint index (1.0 is average; lower is better) before buying on price.
3. Verify Replacement-Cost Coverage
Confirm the policy pays full replacement cost on the dwelling and, ideally, the roof. Actual-cash-value roof coverage is a common way cheap policies underdeliver at claim time in North Dakota.
4. Stack Discounts & Re-Shop at Renewal
Bundle home and auto, document mitigation upgrades, and raise the deductible to what you could comfortably absorb. Then re-shop every renewal—the best homeowners insurance rate in Abercrombie this year may come from a different carrier next year.
Financing a Roof or Mitigation Upgrades in Abercrombie
A new roof, storm shutters, or wildfire mitigation can cut your premium and move a declined home back into the standard market. Many North Dakota homeowners fund those projects with home equity.
Insurance in the Cost of Owning a Abercrombie Home
For most Abercrombie buyers, insurance is the third-largest recurring cost of ownership after the mortgage payment and property taxes, and because most lenders escrow it with the monthly payment, a premium increase at renewal raises your total monthly housing cost even on a fixed-rate loan. Premium inflation has outpaced general inflation in much of the country in recent years, which is why shopping your policy at every renewal, not only at purchase, is one of the highest-value habits a homeowner can build.
Data sources: U.S. Census Bureau (owner costs, cost burden, income); NAIC; U.S. Bureau of Labor Statistics (CPI).
Abercrombie, North Dakota Insurance Cost Estimator
Benchmark a ballpark annual premium from the local cost per $1,000 of home value, prefilled with the Abercrombie median home value. Adjust anything to match your situation.
Estimate only, benchmarked to official Census and NAIC figures for Abercrombie, North Dakota. Not a quote; excludes flood, earthquake, and windstorm-pool surcharges. Use the quote tool at the top of this page for real pricing.
Types of Homeowners Insurance in Abercrombie, North Dakota
Policies follow standardized "HO" forms. When comparing Abercrombie quotes, confirm which form you are being offered, a cheaper quote is often a thinner form.
HO-3, Special Form (Most Common)
The standard for North Dakota single-family homes: open-perils coverage on the dwelling, named-perils on personal property. The NAIC average premiums cited on this page are based on this form.
HO-5, Comprehensive Form
Open-perils coverage on both dwelling and contents, usually with replacement-cost contents. Typically modestly more expensive than an HO-3 and worth quoting for newer, well-maintained homes.
HO-6, Condo Insurance
Covers a condo unit’s interior, personal property, liability, and loss assessment from the association’s master policy deductible. Match the dwelling limit to whether the master policy is "bare walls" or "all-in."
HO-4, Renters Insurance
Personal property, liability, and loss-of-use coverage for Abercrombie tenants, the landlord’s policy covers the building. Inexpensive relative to homeowners coverage and increasingly required by landlords.
Flood Insurance, NFIP & Private
Sold separately everywhere, including North Dakota. The FEMA-run NFIP caps residential building coverage at $250,000; private flood carriers can go higher. Lenders require it in FEMA high-risk zones, but flooding routinely damages homes outside mapped zones too.
Surplus Lines Coverage
With no FAIR plan in North Dakota, declined homes are written by surplus lines carriers through independent agents, higher cost, and not backed by the state guaranty fund, so read the form closely.
How Homeowners Insurance Works in Abercrombie, North Dakota
A homeowners policy pays to repair or rebuild your Abercrombie home and replace your belongings after a covered loss, and defends you against liability claims if someone is injured on your property. You pay an annual premium; when a covered loss occurs, the insurer pays above your deductible up to your coverage limits. Because a mortgaged home is the lender’s collateral, insurance is effectively mandatory for financed purchases in North Dakota.
How Insurance Interacts With a Abercrombie Mortgage
Most lenders collect one-twelfth of the annual premium with each mortgage payment and pay the insurer from escrow. When your premium rises at renewal, the servicer recalculates the escrow and your total monthly payment goes up, even on a fixed-rate loan. If coverage lapses, the lender buys force-placed insurance: several times more expensive, and it protects only the lender’s interest, not your belongings or liability.
Replacement Cost vs. Actual Cash Value
A replacement cost policy pays to rebuild or replace with new materials; an actual cash value policy deducts depreciation, a 15-year-old roof might be reimbursed at a fraction of its replacement price. ACV forms and roof-specific ACV endorsements are increasingly common on older North Dakota homes because they carry lower premiums, know which basis applies to your dwelling, roof, and contents before buying on price.
How to Lower Your Premium in Abercrombie, North Dakota
In rough order of impact: shop 3-5 carriers at every renewal (loyalty is routinely penalized); raise your deductible to the highest amount you could comfortably pay overnight; bundle home and auto; upgrade the roof and document mitigation features; avoid small claims that cost more in surcharges than they pay; and maintain strong credit where North Dakota permits credit-based insurance scoring. In hard-to-insure areas, an independent agent with surplus lines access keeps you covered while you improve the risk.
Bundling Home and Car Insurance in Abercrombie
Most carriers advertise a discount for keeping both policies in one place. No regulator publishes a verified figure for how large that discount is—NAIC premium data reports what people actually paid, with any discount already applied and inseparable from the rest of the price. What can be established from public data is which carriers write both lines in North Dakota, what each line costs, and how a carrier’s complaint record on one line compares with the other.
The combined figure covers one home and one insured vehicle. NAIC reports auto premiums per insured vehicle, so a two-car household in North Dakota would run closer to $2,998 per year. Combined cost here is -20% versus the U.S. average of $2,669, ranking #39 most expensive of 51 states. NAIC publishes premiums at state level only, so these figures reflect North Dakota statewide.
11 Carriers Write Both Home and Auto in North Dakota
You can only bundle with a carrier that writes both lines. Ratings are the MonitorBankRates Carrier Rating for each line separately—they are scored on different studies and are not interchangeable.
| Company | Home rating | Auto rating | Home complaints | Auto complaints |
|---|---|---|---|---|
| USAA Eligibility restricted | 5.0 | 4.7 | Far fewer complaints than expected | Fewer complaints than expected |
| Amica | 4.6 | 4.6 | Far fewer complaints than expected | Far fewer complaints than expected |
| Auto-Owners Insurance | 4.6 | 4.6 | Far fewer complaints than expected | Fewer complaints than expected |
| State Farm | 4.6 | 4.6 | Fewer complaints than expected | Fewer complaints than expected |
| Travelers | 4.3 | 4.5 | Fewer complaints than expected | Far fewer complaints than expected |
| American Family | 4.4 | 4.3 | Far fewer complaints than expected | Far fewer complaints than expected |
| Nationwide | 4.3 | 4.2 | Fewer complaints than expected | Fewer complaints than expected |
| Allstate | 3.9 | 4.0 | About as expected | Fewer complaints than expected |
| Progressive | 3.8 | 4.1 | More complaints than expected | About as expected |
| Farmers Insurance | 3.8 | 3.8 | About as expected | Fewer complaints than expected |
| Liberty Mutual | 3.3 | 3.7 | Far more complaints than expected | More complaints than expected |
Chubb writes homeowners coverage in North Dakota but not auto. GEICO writes auto but not homeowners. Bundling is not an option with those carriers, whatever discount they advertise on their other lines.
Where a carrier’s two records disagree
A discount is worth less than a clean claims experience on the policy you are more likely to use. These carriers land in different NAIC complaint bands on their two lines—1.00 is the level expected given premium volume, so higher is worse:
- USAA—homeowners 0.45 (far fewer complaints than expected), auto 0.68 (fewer complaints than expected).
- Allstate—homeowners 1.10 (about as expected), auto 0.90 (fewer complaints than expected).
- Progressive—homeowners 1.20 (more complaints than expected), auto 0.95 (about as expected).
- Liberty Mutual—homeowners 1.51 (far more complaints than expected), auto 1.20 (more complaints than expected).
Source: NAIC complaint index data. A gap in either direction is a reason to price the two policies separately before accepting a bundle.
How to check what bundling is actually worth to you
- Pick three carriers from the table above that write both lines in North Dakota.
- Get a standalone quote for each policy, with identical coverage limits and deductibles at every carrier.
- Then ask for the bundled price at the same three carriers, same limits.
- Compare the bundled total against the cheapest standalone combination you found—they are frequently not the same carrier.
- Before deciding, check both complaint records above and each carrier’s AM Best rating.
The NAIC’s own consumer guidance lists insuring your home and car with the same company as a discount to ask about—it publishes no figure for what it is worth, and neither do we.
Methodology & Data Sources
Government & Regulator Data, Not Advertiser Data: The Abercrombie, North Dakota cost figures on this page come exclusively from official sources: the U.S. Census Bureau American Community Survey, which reports the annual homeowners insurance costs households actually pay, and the National Association of Insurance Commissioners (NAIC), which publishes average premiums from regulator filings.
Census Insurance Costs: Medians are computed from the ACS homeowners insurance cost distribution (table B25141) at the city level where published (5-year estimates), with statewide fallback. Figures reflect what owner-occupied households report paying, including owners with and without a mortgage.
NAIC Average Premiums: State averages reflect the HO-3 owner-occupied policy form for 2021, the most recent year published. NAIC data lags the market by roughly two years; treat it as a conservative floor.
State Program Information: FAIR plan and windstorm pool details come from the North Dakota Department of Insurance, the plan associations, and the Insurance Information Institute, reviewed as programs change.
Live MonitorBankRates Lender Data: The mortgage and home equity rates on this page are proprietary MonitorBankRates data. Our systems track rates directly from the official websites of over 8,000 banks and credit unions; the North Dakota averages shown are computed nightly across every verified lender rate in our monitoring network and refreshed on this page daily. The "True Monthly Cost of Owning" figure combines that live 30-year average (20% down on the local Census median home value) with Census median property taxes and the insurance cost shown on this page.
MBR Home Insurance Burden Index: Our proprietary MBR-HIBI score compares insurance costs against local incomes and home values, with 100 representing the national baseline: insurance cost as a share of median household income (50% weight), cost per $1,000 of home value (30%), and the share of owners paying $4,000 or more per year (20%). All inputs are U.S. Census Bureau data; the full methodology and all-state rankings are published on our Home Insurance Burden Index page.
A Note on the Quote Tool: The quote comparison widget on this page is provided by a third-party advertising partner, and we may receive compensation when you use it. Advertiser relationships have no influence on the government figures presented here.
Frequently Asked Questions about Homeowners Insurance in Abercrombie, North Dakota
Is homeowners insurance expensive in North Dakota?
What is the average homeowners insurance premium in North Dakota?
Does North Dakota have a FAIR plan?
Does homeowners insurance in North Dakota cover flood damage?
Is homeowners insurance required in Abercrombie, North Dakota?
What share of income goes to homeowners insurance in Abercrombie, North Dakota?
How many North Dakota homeowners pay over $4,000 a year for insurance?
Who has the best homeowners insurance in Abercrombie, North Dakota?
How can I lower my homeowners insurance premium in Abercrombie, North Dakota?
How much is flood insurance in North Dakota?
What is the MBR Home Insurance Burden Index for North Dakota?
Why did my homeowners insurance go up in North Dakota?
Can I bundle home and car insurance in Abercrombie, North Dakota?
How much does home and car insurance cost together in North Dakota?
How much do you save bundling home and auto insurance?
Is it always better to bundle home and car insurance?
How much is homeowners insurance in Abercrombie, North Dakota?
- Median annual cost: $1,174/yr
- With a mortgage: $1,250/yr
- Without a mortgage: $971/yr
- NAIC ND avg premium: $1,256/yr
- vs. national median: -13%
- Per $1,000 of home value: $7.51
Abercrombie, North Dakota Rates & Resources
