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Value Added Services / Rebates (insurer loss-mitigation services and products)

North Dakota Insurance Department · State program

North Dakota allows insurers and producers to offer policyholders value-added services or products for loss control or loss mitigation. The state page is an authorization framework rather than a homeowner application program, so the actual benefit and amount depend on the insurer.

Last verified: July 28, 2026
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Program details

How it works

North Dakota Insurance Department guidance says insurers and/or producers may offer value-added services for loss control or loss mitigation to policyholders under North Dakota Century Code 26.1-04-03 and 26.1-25-16. The services and products are no longer required and are not filed as part of the insurance policy.

What the money covers

The state page does not list specific mitigation measures, dollar amounts, or participating insurers. It only confirms that insurers may offer services or products intended to reduce losses.

What homeowners should know

Because the page is a regulatory allowance, not a single statewide rebate program, the concrete benefit varies by insurer and policy. Homeowners would need to ask their insurer whether any wildfire-hardening, storm-mitigation, or other loss-mitigation services are available on their policy.

Timing and deadlines

No application window, deadline, or funding cap is stated on the official page.

Full eligibility details

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