Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of North Dakota before hiring.
Showing 12 home insurance agents in West Fargo, ND
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Ryan Kill - State Farm Insurance Agent
540 Oak Ridge Way E, West Fargo, ND 58078
(701) 893-3000
ryankillinsurance.com
Renee Forde - State Farm Insurance Agent
3139 Bluestem Dr Ste 104, West Fargo, ND 58078
(701) 280-2811
reneeforde.com
HUB International
3220 4th St E #201, West Fargo, ND 58078
(701) 239-4647
hubinternational.com
Farmers Union Insurance - Justin Heisler Agency
623 East Main, West Fargo, ND 58078
(701) 318-7228
westfargoagency.com
Linster Agency, LLC
158 W Beaton Dr Suite 200, West Fargo, ND 58078
(701) 781-2546
linsteragency.com
Absolute Insurance Agency, LLC
1241 Prairie Pkwy Suite 120, West Fargo, ND 58078
(701) 365-0515
absoluteinsure.com
COUNTRY Financial - Cody Walton Agency
3275 Oak Ridge Loop E, West Fargo, ND 58078
(701) 353-6069
advisors.countryfinancial.com
Ihry Insurance Agency, Inc.
1291 13th Ave E, West Fargo, ND 58078
(701) 557-1727
ihryins.com
Tci Insurance Agency, Inc.
158 W Beaton Dr #100, West Fargo, ND 58078
(701) 277-1710
tciteam.com
Fredrick Hage: Allstate Insurance
3163 Bluestem Dr #105, West Fargo, ND 58078
(701) 566-5575
agents.allstate.com
Integrity First Insurance
213 1/2 Main Ave E, West Fargo, ND 58078
(701) 532-1123
Optima Insurance Solutions
634 1st Ave E, West Fargo, ND 58078
(701) 773-4080
sr22westfargo.com
What Does 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.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
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.