Home insurance FAQs

Buying a home is a major investment in your future. Worrying about it may give you some sleepless nights. Home insurance is designed to take some of the worries out of homeownership. At Kramer Agency in Bismarck, ND, we understand how worrisome homeownership can be and we do our best to mitigate some of those worries with great home insurance. As an independent agency, we can provide more choices and personalized service. 

Home insurance FAQs

How much liability coverage do I need?

There is not one amount that is right for everyone. If you have some things that make you a higher risk, like a dog or a trampoline, you may want to add additional liability coverage or even an umbrella policy. Everyone’s liability needs are different. 

Do I need home insurance if I don’t have a mortgage?

No law says you need to have home insurance. But considering the amount of money that you have invested in your home, it is not a good financial decision to be without protection. 

What things aren’t covered by home insurance?

Home insurance has a few exclusions: nuclear hazards, war, civil unrest, earthquakes, floods, sinkholes, animal or pest infestations, wear and tear, and owner neglect. Be sure to read your policy for any additional items. 

Are my personal possessions covered when I have them away from home?

Yes, your personal possessions are covered when you are traveling. If you lose your suitcase, your camera, your laptop, or other items, you can get reimbursement from your insurance minus whatever your deductible is. 

Do I need a home inventory?

If you ever need to file a claim, you will be glad you have one. 

Give Us A Call

Get hold of Kramer Agency in Bismarck, ND when you are ready to discuss the amount of coverage you need. We are here to help.