home insurance
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Home Insurance
Insure your home and personal property.
This policy covers your:
- Property
- Home and related structures
- Liability and medical payments coverage for damage to property or injuries to another that you may be found legally responsible for
- Personal property in your home and in the structures on your property
- Loss of use
Choose level of coverage:
You can tailor your policy by choosing coverage for Broad, Special and Comprehensive.
You can tailor your policy by choosing coverage for Broad, Special and Comprehensive.
- Broad Form - named peril coverage
- Special Form - all risk coverage
- Comprehensive - all risk coverage on Dwelling and Personal Property
Included with your policy:
- Equipment Breakdown
- Service Line Enhancement Coverage
- Family Cyber Protection
Protect against liability and medical payments:
As a homeowner, you may be held liable for injury or damages to others that arise from your negligence. Your policy will include coverage for:
As a homeowner, you may be held liable for injury or damages to others that arise from your negligence. Your policy will include coverage for:
- Medical payments to others
- Personal Liability
Consider optional coverages:
Your agent can help determine whether you need any of the following coverage options:
Your agent can help determine whether you need any of the following coverage options:
- Water backup and sump discharge or overflow
- Scheduled personal property
- Replacement cost loss settlement
- Personal injury
Condominium associates likely insures the exterior of the building and commonly owned property. However, you would likely be responsible for the interior of your condo, including walls, floors, ceilings, additions and improvements along with your personal property such as clothing, furniture and jewelry.
The policy would also include:
- Medical Payments to others
- Personal Liability
- Equipment Breakdown
- Family Cyber Protection
Consider optional coverages:
Your agent can help determine whether you need any of the following coverage options:
Your agent can help determine whether you need any of the following coverage options:
- Water backup and sump discharge or overflow
- Scheduled personal property
- Replacement cost loss settlement
Why is renters insurance important? While you may choose not to own a home, it is important to protect yourself and your personal property if someone gets hurt while at
your apartment or as a result of your negligence. If you are found liable, potential medical and legal expenses can be financially devastating.
Our renter's policy covers:
- Liability protection for bodily injury and property damage claims
- Medical payments to others for injuries that occur at your apartment or the result of your negligence
- Personal property protection
- Worldwide personal property coverage
- Loss of use-additional living expenses
- Credit card and Electronic Funds Transfer (EFT) forgery protection as a result of theft
- Coverage for boats, trailers and their related equipment
- Protection for jewelry and electronic equipment
- Replacement cost protection
- Special Personal Property Coverage
- Water backup and sump discharge
- Building additions and alteration
Discounts
Multi-line discount - The more you insure with Nodak Insurance Company, the more you save. Receive a reduced premium on your homeowner's insurance when you also insure your autos with us.
Age of dwelling/newer home discount - Your home may be eligible for a premium discount based on the year it was built.
New roof discount - This discount rewards you for a newer roof.
Protective Device Discount - Receive premium discounts for having smoke alarms and fire extinguishers, dead bolt locks, burglar alarm systems and automatic sprinklers.
Mature homeowner discount - If you're 50 years of age or older, you'll receive a discount on your homeowner's policy.
Find an Agent
Nodak Insurance Company
1101 1st Ave N
Fargo, ND 58102
877-814-5011
