If you're renting an apartment near the Fargo theater district or near Bismarck's historic port, you know you can depend on having plenty to do and see around town. When it comes to your property and personal belongings, you should also be able to depend on your renters insurance policy. That's where Nationwide comes in. With a range of options available, you can take comfort in knowing that you have personal liability protection and coverage for your belongings - all at an affordable rate. We even offer renters insurance discounts to help our members save more. Get a North Dakota renters insurance quote online in minutes.

Is renters insurance required in North Dakota?

No, there is no federal law that requires tenants to carry renters insurance; however, some landlords may require proof of renters insurance as part of the lease agreement.

North Dakota renters coverages and discounts
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Renters insurance coverage

With Nationwide renters insurance coverage, you enjoy the security of knowing your belongings may be covered if stolen, damaged or destroyed.

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Discounts on renters insurance rates

Save money on Nationwide renters insurance coverage with these renters insurance discounts.

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Policy features that may meet the needs of North Dakota renters

Your landlord's policy may cover your Fargo or Jamestown apartment building, but what about your personal possessions? Nationwide's renters insurance provides coverage you can rely on.
  • Valuables Plus®1 insurance may cover items such as jewelry, watches, antiques and fine art in the event of covered losses, including theft.
  • Medical payments renters insurance may cover others' medical expenses resulting from an accident on your property.

Nationwide agents throughout North Dakota are ready to assist you

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What factors go into determining a renters insurance rate?

While the average cost of renters insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your renters insurance rate:

Location

The location of the rental property includes state and ZIP code.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your policy to cover.

Deductible

The amount of money you choose to pay out of pocket can affect your renters insurance premium.

Bundle insurance policies

Nationwide offers a variety of multi-policy discount options. Choosing to bundle auto and renters insurance from the same insurance provider can potentially lower your insurance premium.

Get a free North Dakota renters insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your North Dakota renters insurance quote today.

Nationwide coverage in North Dakota

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[1] Valuables Plus is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.