North Dakota HO8 Insurance

North Dakota HO-8 Insurance policy is designed for older homes in North Dakota. The North Dakota HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in North Dakota are AllState and Auto Club and they operate in cities such as Fargo, Bismarck, Jamestown or Grand Forks.


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What Will HO8 Insurance Cover in North Dakota?

A standard home insurance policy in North Dakota whether you live in Fargo, Grand Forks or Bismarck will cover most damages to your ND home and your personal belongings from perils such as explosion, lightning damage from falling objects, riots, theft, trucks or vehicles.

What is North Dakota HO8 Insurance?

Useful on older buildings that may be of historic importance and has a lower market value than pure replacement cost.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in North Dakota. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in North Dakota?

The policy will cover any home in the state North Dakota such as:
  • Fargo, ND
  • Grand Forks, ND
  • Bismarck, ND
  • Minot, ND
  • Jamestown, ND
  • Wahpeton, ND
  • Backoo, ND
  • Williston, ND
  • Union, ND
  • Dickinson, ND
  • Lamoure, ND
  • Saint Anthony, ND
  • Almont, ND
  • Amenia, ND
  • Ambrose, ND
  • Alsen, ND
  • Zeeland, ND
  • Alfred, ND
  • Alamo, ND
  • Agate, ND