Home Insurance

We all love our homes because it’s the place we run to escape the chaos and busyness happening in life. A home is a safe haven for our loved ones. As such, if you are in Bismarck, ND, or other parts of the US, you will fight tooth and nail to safeguard your home. While routine maintenance and installing security features are superb, you need to go a notch higher and invest in home insurance to protect your invaluable asset.

If you have a home in North Dakota, it’s wise to talk to Kramer Agency. We will help you get comprehensive home insurance at a reliable rate. Contact us today.

Is home insurance mandatory in North Dakota?

No law in North Dakota mandates you to purchase home insurance. However, if a federal-regulated lender finances your home, they may require you to purchase at least the basic home insurance policy. But whether it’s compulsory or not, there are other loads of reasons to buy home insurance.

Home insurance coverages in North Dakota

Are you shopping for home insurance in North Dakota? You are on the right track. In light of this, here are the home insurance coverages you are likely to come across.

  • Liability coverage: Protects you and your family members against bodily injury or property damage you might have caused to third parties. For instance, if your son throws a ball and injures your neighbor’s kid, home insurance pays for medical expenses.
  • Loss of use: If a covered peril destroys your home, this coverage pays for additional living expenses as your dwelling undergoes repairs.
  • Home contents: Home insurance covers personal belongings like furniture, clothing, electronics, and other assets from damage or loss against specific perils.
  • Dwelling coverage: Your home insurance protects your home structure from numerous perils, including lightning, fire, theft, vandalism, hail, and other risks.

Are you looking for home insurance in Bismarck, ND, or somewhere else in the state? Please get in touch with Kramer Agency for a reliable quote.