Boat, RV, Motorcycle, & Flood Insurance Bismarck, ND

When you are shopping for boat insurance in North Dakota, you are likely to come across the below coverages:

• Comprehensive coverage: Protects your boat against non-collision perils like theft, fire, and certain natural disasters.
• Collision coverage: Protects your boat from accidents involving other boats or stationary objects.
• Uninsured boater: Protects you when you are involved in an accident with a boater carrying zero insurance.
• Medical payments: This coverage pays for the medical costs for you and your passengers when involved in an accident.
• Liability coverage: Cushions you against liability claims, including property damage and bodily injury caused to others.
  

In a bid to save a few bucks, some boaters may cancel their boat insurance for periods they aren’t using their boats. But this isn’t a wise move. You see, unlike boating seasons, some risks don’t have an off-season. For instance, perils like theft or fire can strike when your boat is parked in your garage.

Therefore, please maintain your boat insurance all year round if you want peace of mind throughout the year. Otherwise, disaster may strike when you least expect it.

Like regular motor vehicle insurance, RV insurance coverage options include liability, comprehensive, and collision; however, other options are also to consider. Residents with RVs living in North Dakota should have an insurance package that helps them stay compliant with federal and state laws and also has their unique needs in mind.

Get the best range of features for your RV insurance policy to ensure RV owners protect themselves and others while enjoying the open road. Keep in mind that RV owners can choose policies that help them protect their RV from an uninsured motorist, medical payments, bodily injury, and more.

Our team of insurance professionals is committed to assisting our clients with the entire process of selecting and purchasing insurance policies to protect their RV, themselves, and others while they enjoy traveling and vacationing. Whether it's a policy for a new RV or a replacement policy to improve coverages, there's an agent ready to assist.

The process of selecting a policy is easy and hassle-free when one of our agents provides their talents to help determine an individual's insurance needs and then match those needs with a policy that meets or exceeds coverage requirements.

There are standard motorcycle insurance policies that normally include property damage, liability, and bodily injury; however, most riders have the option to tailor their coverage to meet their particular needs.

The basic policy covers the motorcycle and any injuries sustained. The liability portion covers the rider if they’re responsible for damages. A third party can collect for those damages if the rider is at fault. That’s where this coverage protects the rider and pays for the damages up to the outlined amount of the policy.

There are also some other options to consider when building a motorcycle insurance policy, such as guest passenger liability coverage, total loss, motorcycle repair, and more. Residents of North Dakota can count on our team of experts to help them determine which coverage options fit their situation and give them peace of mind.

Kramer Agency is a top insurance agency with highly experienced insurance professionals to help clients get the range of coverage options necessary to protect themselves, others, and their property. Our commitment to our customers is a priority, and we work hard to ensure each client has the information and resources necessary to choose the right insurance for their individual needs.

Call or stop by Kramer Agency, serving Bismarck, ND, to find out more about the products and services offered at our location. We want to be the top provider of quality motorcycle insurance in the North Dakota area.

Flood insurance is a type of property insurance designed to cover physical damage to your home and personal belongings. Flood insurance policies are available for all North Dakota residential and commercial properties. You can buy flood insurance from the National Flood Insurance Program through private insurers like Kramer Agency. The government sets the rates based on an NFIP-designated flood zone. Your property can either be in a low-risk, moderate, or high-risk area.

Unlike most basic policies, flood insurance focuses on one area--your home. However, the payment terms and claim filing process work like most policies. When you file a claim, your insurance company will repair the damaged areas and replace damaged items like carpets, furniture, and electronics.

It's also crucial to note that your mortgage lender may require you to have flood insurance if you buy a home in a high-risk flood area. Flood insurance comes with a 30-day waiting period, which is why we recommend purchasing the policy early in advance to avoid out-of-pocket costs.

This is a pretty common question among many North Dakota residents, as flood insurance only covers the dwelling and the contents. The answer is as simple as it looks. Calculate the value of your belongings and add that amount to the cost of rebuilding your home based on the local cost of labor and materials.

For more information about flood insurance and other policies, please feel free to call Kramer Agency, and we will be happy to help.