ND Home Insurance

MN Home Insurance

  • Home Sweet Home

    Our homes, whether we own or rent, are where lives are formed, and legacies built. It’s where we watch our children grow up while we teach them to become men and women. Then before we know it, were grandparents and have another wonderful opportunity to share the love of our home with our family. We’re here to help protect that home, and that opportunity; to personally work with you and design a home insurance policy that fits your needs and your lifestyle.

  • Homeowner's Insurance

    Homeowners insurance is of utmost importance as it provides crucial protection for one of your most valuable assets: your home. This comprehensive coverage shields homeowners from unforeseen events such as fire, theft, natural disasters, and liability claims. In the face of such incidents, homeowners’ insurance offers financial security by covering repair or rebuilding costs, replacing stolen or damaged belongings, and addressing medical expenses if someone is injured on the property. By investing in homeowners’ insurance, you can rest assured knowing you have a safety net that safeguards your home and provides peace of mind in the face of unexpected challenges.

  • Insurance for Rental Properties

    Renters insurance is a crucial safeguard for those who rent a home or apartment. While the landlord's insurance covers the building itself, renters insurance protects tenants' personal belongings and provides liability coverage. In the event of theft, fire, or other covered perils, it offers financial protection by covering the cost of replacing or repairing damaged or stolen items. Additionally, renters insurance includes liability coverage, which helps cover legal and medical expenses if someone is injured in your rental unit. With affordable premiums and comprehensive coverage, renters insurance offers peace of mind and ensures that you are well-prepared for unexpected events, allowing you to enjoy your rented space with confidence.

Home insurance coverage explained.

Dwelling Coverage: This option provides coverage for the physical structure of your home, protecting it against damage from covered perils such as fire, windstorms, and vandalism.

  1. Personal Property Coverage: This option covers your personal belongings, such as furniture, electronics, and clothing, in case they are damaged or stolen.

  2. Liability Coverage: This option protects you financially if someone is injured on your property or if you accidentally cause damage to someone else's property.

  3. Additional Living Expenses: In the event that your home becomes temporarily uninhabitable due to a covered loss, this option covers the cost of temporary accommodations, such as hotel stays or rental expenses.

  4. Medical Payments Coverage: This option helps pay for medical expenses if someone is injured on your property, regardless of who is at fault.

These are some of the standard options typically included in homeowners insurance, although coverage can vary depending on the insurance company and policy. It's important to review and understand the specifics of your policy with your agent to ensure it meets your needs.