Directory · North Dakota · Homeowners

Who writes homeowners in North Dakota

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

State Farm Group wrote the most homeowners in North Dakota in 2025, $56.7M and 14.6% of the state's premium; the top five groups hold 54%. North Dakota's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the North Dakota page.

By Sam Alishahi, independent insurance broker · All lines in North Dakota

Top 10 · NAIC table: 04 - Homeowners Multiple Peril

The insurer groups that write the most homeowners in North Dakota

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#	Insurer group	Premium written	Share	Loss ratio	Member companies here
1	State Farm Group	$56.7M	14.59%	36%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
2	American Family Insurance Group	$50.0M	12.87%	24%	American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
3	Agraria Mutual Group	$38.0M	9.78%	66%	Agraria Insurance Company
4	Auto Owners Group	$35.3M	9.09%	58%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
5	Farmers Insurance Group	$31.5M	8.10%	44%	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
6	Nodak Mutual Group	$29.4M	7.57%	64%	American West Insurance Company, Direct Auto Ins Co, Primero Insurance Company, Battle Creek Mutual Insurance Company
7	North Star Co. Group	$22.6M	5.82%	60%	North Star Mutual Insurance Company
8	Liberty Mutual Group	$17.8M	4.58%	28%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
9	United Serv Automobile Assn Group	$17.7M	4.55%	46%	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
10	Country Insurance & Financial Serv Group	$12.3M	3.18%	51%	Country Preferred Insurance Company, COUNTRY Mutual Insurance Company, Country Casualty Insurance Company

Turned down?

Last resort for homeowners in North Dakota

Last resort	Lines	Where	How to get in
Surplus lines and Lloyd's open market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Source: the North Dakota insurance regulator company list, read 2026-10-18. ND Insurance Department 2024 Statistical Report, 'State Page Data for Licensed [Non-]Domiciled Health/Life/Property/Title Insurance Companies as of December 31, 2024'. Every licensed company with an NAIC code; type is the report section (Health, Life, Property & Casualty = the 'Property' auto + fire/multi-peril sections, Title; joined with '; ' when a company appears in more than one). domicile is 'ND' for the domiciled sections and blank (unknown) otherwise. The report carries no certificate-of-authority lines, only premiums by line group, so lines is always []. The 9 ND county mutuals (no NAIC code) are appended with type 'County Mutual' and since = year admitted to ND. North Dakota publishes no surplus lines eligibility list. Section counts: Health domiciled 2 (report 2); Health non-domiciled 65 (report 65); Life domiciled 3 (report 3); Life non-domiciled 406 (report 406); Property domiciled 13 (report 13); Property non-domiciled 826 (report 826); Property domiciled 13 (report 13); Property non-domiciled 826 (report 826); Title non-domiciled 18 (report 18); County Mutual 9 (report 9). "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

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