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.

Homeowners Insurance You Can Count On

 Coverage for Storms, Fire, Theft, and Liability

From hail and wind on the prairie to winter ice in neighborhoods, homes face real risks. Bowerman Insurance Agency builds homeowners insurance to protect your house, belongings, and personal liability. If a guest is hurt on your property or a kitchen fire forces you out temporarily, the right policy can help you recover and get back to normal.

A white house with a porch and a chimney

Core Coverages for Homes

Dwelling coverage for the structure itself. Personal property for furniture, electronics, and clothing. Personal liability and medical payments if someone is injured. Additional living expenses if your home is uninhabitable after a covered loss. We'll help you align limits with your home's rebuild cost, not just market value.

Customize Protection for Real-World Issues

Consider service line coverage for underground pipes and wiring, water backup for sump or drain overflows, equipment breakdown for key systems, identity theft protection, and inflation guard to help keep pace with rising costs. Bowerman Insurance Agency will explain options and compare how carriers handle hail claims and roof settlement.

A white house with a porch and a chimney
A white house with a porch and a chimney

Save More with Smart Pairings

Many homeowners save by bundling their home and auto insurance. Alarm systems, claim-free history, and newer roofs can also help. We'll look for multi-policy discounts and price breaks that make sense for your household.

When You Need Something More Specific

If you own a condo or a manufactured home, coverage differs from standard homeowners. Flood is not part of a home policy and may require a separate policy, especially in certain floodplains or near rivers and lakes.

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

Straight Answers for ND Homeowners

  • Are hail and wind covered?

    Yes-standard policies typically include wind and hail in North Dakota; deductibles may apply.

  • Do I have enough coverage?

    We'll help estimate rebuild costs and set limits that reflect materials and local labor.

  • Can I cover valuables like jewelry?

    Scheduled personal property can increase limits for high-value items.