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.

Mobile & Manufactured Home Insurance

Insurance Built for Factory-Built Homes

Mobile and manufactured homes have unique construction and anchoring, so they need policies tailored to how they're built and where they're placed. Bowerman Insurance Agency writes mobile home insurance for homes in nearby parks or rural lots, helping protect your home, your belongings, and your liability from wind, fire, theft, and more.

A white house with a porch and a chimney

Home, Belongings, Liability, and More

A standard policy can include dwelling coverage for the structure (and attached decks or carports), personal property for what you own, personal liability if someone is hurt at your home, and coverage for adjacent structures like sheds. We'll verify tie-down or skirting requirements and discuss storm deductibles that reflect your area's unique weather.

Different Construction Calls for Different Coverage

Many insurers use dedicated programs for manufactured housing because wind and hail affect factory-built homes differently than site-built houses. If you've been told a standard home policy won't work, Bowerman Insurance Agency can place a separate program designed for your home type and location; whether you're in a community or on acreage.

A white house with a porch and a chimney

Endorsements That Fit Real Life

Depending on the carrier, you may add trip collision for approved moves, water backup for sump or drain issues, equipment breakdown for key systems, replacement cost options for newer units, or coverage for porches and detached garages. We'll walk you through what's worth adding based on age, placement, and storm exposure.

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

Straight Answers for ND Owners

  • Is insurance required if I own the land?

    Your lender may require it; even without a loan, coverage protects your investment and liability.

  • Does it cover wind and tornadoes?

    Windstorm coverage is typically included; we'll review deductibles and roof settlement options.

  • Can I get replacement cost on my home?

    Often available on newer units; older homes may default to actual cash value.

  • What if my home is older?

    Some carriers have age limits; as an independent agency, we shop multiple options.