North Dakota insurance for auto, farm, home and life

Home Insurance

Whether you own or rent, your home is your castle. That's why it's important to protect what's most important to you with a tailored policy from Nodak Insurance Company.

I own a home

You can protect your home and its contents with our basic homeowner's policy which covers:

Your property
Your home and related structures
Your personal property in your home and in the structures on your property
Liability and medical payments for damage or injury that occurs as a result of your negligence

Choose to insure your home only and our policy covers:

Your property
Your home and related structures
Liability and medical payments for damage or injury that occurs as a result of your negligence.

Tailor your policy with the following coverages, known as basic perils. They include:

Fire or lightning
Windstorm or hail
Explosion
Riot or civil commotion
Aircraft
Vehicles
Smoke damage
Vandalism or malicious mischief
Theft
Breakage of glass or safety glazing material
Equipment Breakdown

Choose even more options, known as broad perils. They include the above perils plus:

Falling objects
Weight of ice, snow or sleet
Collapse of building or any part of a building
Freezing
Water damage from sudden and accidental discharge from plumbing system or appliance

Optional endorsements:

Water backup and sump discharge or overflow
Scheduled personal property
Replacement cost loss settlement

I own a condominium

Condominium associations likely insures the building's common areas. However you're responsible for your personal property, additions or improvements and the need to protect yourself from liability.

Our policy protects against:

Fire or lightning
Windstorm or hail
Explosion
Riot or civil commotion
Aircraft
Vehicles
Smoke
Vandalism and malicious mischief
Theft
Falling objects
Weight of ice, snow or sleet
Accidental discharge or overflow of water or steam
Sudden and accidental tearing apart, cracking, burning or bulging
Freezing
Sudden and accidental damage from artificially generated electrical current
Volcanic eruption
Equipment Breakdown

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

Additional Policy Features:

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

Optional Coverages:

Replacement cost protection
Snowmobile/recreation vehicles
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.

Nodak Insurance
Mobile App

I own a home

I own a condominium

I rent a home or apartment

Find an Agent

Nodak InsuranceMobile App

I own a home

I own a condominium

I rent a home or apartment

Find an Agent

Nodak Insurance
Mobile App