Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

Condo Insurance for Unit Owners (HO-6)

What Your HOA Covers; And What It Doesn't

Your association's master policy usually covers the building and common areas, not the interior of your unit or your personal belongings. Bowerman Insurance Agency writes condo insurance that protects "from the walls in," including improvements and finishes, plus your liability if someone is injured in your unit.

A white house with a porch and a chimney

Interior, Contents, Liability, and Assessments

Interior dwelling coverage for finishes like flooring, cabinets, and fixtures (based on bylaws). Personal property for what you own. Personal liability and medical payments. Loss assessment to help with your share of covered claims allocated by the HOA. Additional living expenses if a covered loss makes your unit uninhabitable.

Coverage Aligned to Your Association's Rules

Every HOA is different. We'll review your condo bylaws and master policy to confirm who covers what and set your limits accordingly. That way, there are fewer surprises when a claim happens; whether you're in a downtown mid-rise or a townhome community.

A white house with a porch and a chimney

 Know the Difference Before a Claim

Home policies insure the entire dwelling structure you own, while condo policies focus on the interior space you're responsible for and your belongings. If you're not sure which you need (or you own both a home and a condo) we'll help you place each policy correctly.

Two young boys are laying on the grass and talking to each other.

Clear Answers for Unit Owners

  • If the HOA has insurance, why do I need mine?

    The HOA policy doesn't cover your interior finishes or personal property.

  • Will my condo policy cover water leaks to other units?

    Your liability coverage may apply if you're legally responsible; otherwise the HOA policy could respond.

  • Do I need extra liability limits?

    Consider an umbrella if you want higher limits over your condo and auto policies.