Homeowners Insurance Quotes

Providing Homeowners Insurance in the Fargo, West Fargo, Moorhead, and the Lakes Area

Homes, Lake Cabins, Mobile Homes, & Rental Properties

For most people their home is the single largest asset that they will ever own. To protect such a valuable asset you need a policy that is designed for your unique dwelling.

The general homeowners policy is actually several different policies in one. This includes:

• The house and structures attached to the house
• Structures that are unattached to the house
• Personal property that you own
• Cost to rent a place to stay while your home is being repaired or rebuilt
• Liability coverages for damage or injuries you cause to other people

Home Insurance in North Dakota

For the most part a Homeowners Policy in North Dakota and Minnesota is a fairly generic item. It needs to be customized around the family that lives in it. There are many coverages that we can add to the policy to make it fit your needs. Some of the coverage endorsements that several of our companies offer are:

• Sewer backup and sump overflow
• Equipment breakdown coverage
• Home daycare insurance
• Identity theft coverage
• Valuable jewelry, paintings and collectibles
• Coverage for docks and boat lifts

When you purchase a Homeowners Policy from our agency we will sit down with you and discuss what your situation is and design a product which meets your needs.

LAKE CABINS

• Whether its a Mobile Home or a Custom Built Home in North Dakota or Minnesota, we have a market for nearly every type of lake cabin. Having spent the last 30 years on Lake Lida near Pelican Rapids, MN, we understand the coverage's which are unique to living on the waterfront.

MOBILE HOMES

• We have access to several companies which write insurance for owner occupied mobile home and contents within the home. This gives us the ability to shop the insurance with some of the largest writers of mobile home insurance in order to find you the best coverage at the lowest price. We even offer coverage for just your contents if your renting a mobile home, or for just the mobile home itself if you are the landlord and renting out your mobile home.

FLOOD INSURANCE

• Spring snow melt or heavy rains can cause serious flooding damage to your home and property. While a Homeowners Policy does not cover damage done by floods, we do offer coverage through FEMA's National Flood Insurance Program. If your mortgage company is now requiring you to carry Flood Insurance we can help you obtain the documents you need in order to get the lowest rate possible.

SPECIALTY MARKETS

• On occasion, due to excessive claims, bankruptcies, or a poor credit history, finding a company who is willing to write your insurance can be difficult. We have several markets at our disposal which specialize in hard to place insurance. Do not let your mortgage company put "Forced Placed" insurance on your home as most of those policies only cover the building up to the amount you owe on your home and do not include any coverage for your personal property or liability. If you find yourself in the difficult position of being unable to obtain coverage, give us a call.

RENTAL PROPERTIES

• Whether its a single family home or a large apartment building we can help design a policy which protects you, the landlord. We even have coverage for the mobile home that you rent out to others.

                                                                                      Give us a call today at (701) 282-9402!

Our goal is to help you obtain the coverage you need at a price that fits your budget. We offer superior service and want to help you.

If you are interested in a quote on any line of insurance please give us a call at (701) 282-9402, or use the online quote request form and we will get right back with you.