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) and Renters Insurance (HO-4)

What Your Condo HOA Covers; And What It Doesn't

With a condominium, you can enjoy the convenience of apartment living along with the tax benefits of owning a home. Your association's master policy usually covers the building and common areas, but 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.

 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. Renter’s Insurance covers your personal belongings. If you're not sure which you need (or if you own both a home and a condo or maybe you have a son or daughter away at college needing a renter’s policy) we'll help you place each policy correctly.

Renters Insurance

Renters insurance is a form of homeowner's insurance and is an inexpensive way to insure your personal belongings. Do you have a college student? These students usually have coverage under their parents’ homeowner insurance policy, but if a student moves into an apartment, there is limited or no coverage.


Concerning theft coverage, the student's belongings must be kept in the living quarters, if for example, a student attends a vocational school taking mechanic classes, takes his or her tools to class and leaves them at the school and they were stolen, there would be no coverage.



Bowerman Insurance Agency can help protect your belongings whether its for you or for a family member. 

A white house with a porch and a chimney
Two young boys are laying on the grass and talking to each other.

Answers for Unit Owners and Renters Insurance

  • 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.

  • What is a Renter’s Policy?

    It’s a form of property insurance that protects tenants living in a rented dwelling, apartment or other type of living quarters.