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HomeHome Insurance AgentsNorth Dakota › West Fargo

Find Home Insurance Agents Near You in West Fargo, ND

Browse home insurance agents serving West Fargo, North Dakota. Updated 2026-07-14.

The top-rated home insurance agent in West Fargo, North Dakota is Ryan Kill - State Farm Insurance Agent, rated 4.9 stars across 543 reviews. Other highly rated options include Renee Forde - State Farm Insurance Agent, Farmers Union Insurance - Justin Heisler Agency, HUB International. This directory lists 12 home insurance agents serving West Fargo.

Showing 12 home insurance agents in West Fargo, NDListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Ryan Kill - State Farm Insurance Agent540 Oak Ridge Way E(701) 893-3000
2Renee Forde - State Farm Insurance Agent3139 Bluestem Dr Ste 104(701) 280-2811
3Farmers Union Insurance - Justin Heisler Agency623 East Main(701) 318-7228
4HUB International3220 4th St E #201(701) 239-4647
5Linster Agency, LLC158 W Beaton Dr Suite 200(701) 781-2546
6Absolute Insurance Agency, LLC1241 Prairie Pkwy Suite 120(701) 365-0515
7COUNTRY Financial - Cody Walton Agency3275 Oak Ridge Loop E(701) 353-6069
8Ihry Insurance Agency, Inc.1291 13th Ave E(701) 557-1727
9Tci Insurance Agency, Inc.158 W Beaton Dr #100(701) 277-1710
10Fredrick Hage: Allstate Insurance3163 Bluestem Dr #105(701) 566-5575
RK
540 Oak Ridge Way E
Ryan Kill - State Farm Insurance Agent
Home Insurance Agent · West Fargo, ND

Ryan Kill - State Farm Insurance Agent serves the West Fargo, North Dakota, area, providing home insurance coverage for local homeowners. This agency helps residents protect their properties from common regional risks like severe storms and hail damage. Policies are tailored to cover dwelling structures, personal belongings, and liability protection. Clients can also discuss bundling options with their auto policies to simplify coverage. The agency handles claim filing assistance and policy reviews for existing customers.

RF
3139 Bluestem Dr Ste 104
Renee Forde - State Farm Insurance Agent
Home Insurance Agent · West Fargo, ND

At this West Fargo agency, Renee Forde - State Farm Insurance Agent provides home insurance policies that protect against common perils like fire, theft, and weather damage. Coverage options can be tailored to include liability protection and personal property replacement. The agency also offers guidance on policy reviews and adjustments as needs change. Service plans may involve discussing deductible options and bundling opportunities with auto insurance. This agent services single-family homes, apartments, retail businesses, and restaurants across the local area.

FU
623 East Main
Farmers Union Insurance - Justin Heisler Agency
Home Insurance Agent · West Fargo, ND

Farmers Union Insurance - Justin Heisler Agency serves West Fargo and surrounding communities in North Dakota, handling home insurance policies for local homeowners. It offers coverage options designed to protect residential properties against common regional risks such as severe storms, hail, and winter weather damage. To handle a typical job, the agency begins with a thorough consultation to assess a client’s specific property and coverage needs, then compares policy features and limits from available carriers before presenting a clear explanation of the recommended plan.

HI
3220 4th St E #201
HUB International
Home Insurance Agent · West Fargo, ND

HUB International serves homeowners and property managers in West Fargo and the surrounding Red River Valley. The agency connects clients with coverage options suited for regional weather risks, including hail, wind, and snowmelt. Policyholders receive guidance on dwelling protection, personal liability, and replacement cost considerations. HUB International also assists with standard home insurance needs such as coverage for detached structures and personal property. The agency extends its services to neighboring areas within the Fargo-Moorhead metropolitan region, including the city of Horace.

LA
158 W Beaton Dr Suite 200
Linster Agency, LLC
Home Insurance Agent · West Fargo, ND

Linster Agency, LLC in West Fargo, ND offers home insurance clients a choice between a single policy purchase for new homes or recurring annual review options for ongoing coverage adjustments as property values change. Their agents evaluate risks specific to local weather patterns and regional construction costs when tailoring policies. Service is available on an as-needed basis for policy updates and claims support, with scheduled annual reviews also arranged for clients who prefer proactive management of their coverage needs.

AI
1241 Prairie Pkwy Suite 120
Absolute Insurance Agency, LLC
Home Insurance Agent · West Fargo, ND

Absolute Insurance Agency, LLC specializes in evaluating dwelling-specific risks and tailoring coverage for homeowners in West Fargo, ND. It also provides general property insurance consultations, helping clients understand liability and contents protection. The agency focuses on matching policy details with local housing needs, such as coverage for detached structures and personal belongings. It assists homeowners in preparing for spring thaw and the associated risk of water damage from melting snow.

CF
3275 Oak Ridge Loop E
COUNTRY Financial - Cody Walton Agency
Home Insurance Agent · West Fargo, ND

As winter snows recede in West Fargo, local homeowners often turn their attention to reviewing coverage against spring storms and potential hail damage. COUNTRY Financial - Cody Walton Agency assists residents by explaining how standard policies handle these seasonal risks and suggesting additional endorsements when appropriate. The agency offers guidance tailored to the region’s climate patterns, helping homeowners understand deductible options and liability limits. A typical first step involves an agent inspecting the property to assess its current condition and discuss any specific concerns the homeowner may have.

II
1291 13th Ave E
Ihry Insurance Agency, Inc.
Home Insurance Agent · West Fargo, ND

Ihry Insurance Agency, Inc. in West Fargo, ND assists homeowners with securing property coverage for their residences. This work involves tailoring policies to protect against common regional risks such as severe storms and hail damage. The agency helps clients add specialty endorsements, including coverage for valuable personal items like jewelry or electronics. It can also evaluate and provide business insurance solutions for local commercial sectors, including offices, warehouses, and food service operations.

TI
158 W Beaton Dr #100
Tci Insurance Agency, Inc.
Home Insurance Agent · West Fargo, ND

Tci Insurance Agency, Inc. provides home insurance agent services for residential properties in West Fargo, ND. The agency also handles commercial coverage options for local businesses in the surrounding area. Insurance professionals work with residents to assess dwelling and personal property protection needs. Clients receive guidance on policy details, coverage limits, and endorsements. The office follows up with clients prior to each policy renewal, helping to adjust coverage as needs change between regular visits.

FH
3163 Bluestem Dr #105
Fredrick Hage: Allstate Insurance
Home Insurance Agent · West Fargo, ND

Fredrick Hage: Allstate Insurance is a home insurance agency serving West Fargo, North Dakota, and the surrounding region. It helps homeowners protect their property and personal belongings with standard coverage options and liability protection. The agency can also offer additional policies tailored to local weather risks, such as wind and hail damage. For homeowners seeking more comprehensive security, the company can add a personal umbrella policy to cover major liability costs above standard limits.

IF
213 1/2 Main Ave E
Integrity First Insurance
Home Insurance Agent · West Fargo, ND
(701) 532-1123
OI
634 1st Ave E
Optima Insurance Solutions
Home Insurance Agent · West Fargo, ND
(701) 773-4080
sr22westfargo.com

What Does a a Home Insurance Agent in West Fargo Cost?

The average annual home insurance premium in North Dakota is around $1,200 to $1,800 for a standard policy, but costs vary by home value, location, and coverage level. In West Fargo, factors like proximity to the Red River and claims history can affect rates. For example, a $250,000 home might cost $1,000 to $1,500 per year for basic coverage. This is general information, not insurance advice.

About home insurance agents in West Fargo

Home insurance agents in West Fargo, North Dakota help homeowners find coverage that meets state requirements and protects against local risks like severe winter storms and hail. North Dakota law does not mandate home insurance, but mortgage lenders typically require it. Agents can explain policy options for wind and hail damage common in the Red River Valley.

Frequently Asked Questions

What does home insurance cover in West Fargo North Dakota?

Standard home insurance in West Fargo typically covers dwelling damage, personal property, liability, and additional living expenses. Policies often exclude flood damage, which requires separate coverage through the National Flood Insurance Program or a private carrier. North Dakota law requires insurers to offer coverage for damage from wind and hail.

Do I need home insurance if I own my home in West Fargo?

North Dakota law does not require home insurance for homeowners who have paid off their mortgage. However, if you have a mortgage, your lender will require coverage. Even without a mortgage, insurance protects against financial loss from fire, storm damage, and liability claims.

How do I choose a home insurance agent in West Fargo?

Look for an agent licensed in North Dakota who has experience with local risks like snow load and hail. Ask about policy options for replacement cost versus actual cash value. Check the agent reputation with the North Dakota Insurance Department and read customer reviews.

Home Insurance Agents in Other North Dakota Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each home insurance agent's credentials and current standing with your state Department of Insurance.