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.

Renters Insurance in North Dakota for Apartments & Homes

Your Stuff Matters-And So Does Liability

A landlord's policy won't cover your furniture, electronics, or clothing after a fire, theft, or certain water damage. Bowerman Insurance Agency provides renters insurance in Steele, ND and the Bismarck area to protect your belongings and personal liability. For many tenants, it's a low-cost way to gain meaningful protection.

A white house with a porch and a chimney

Belongings, Liability, and Temporary Housing

Personal property for the things you own. Personal liability if a guest is injured or you accidentally cause damage to others. Additional living expenses if your rental becomes uninhabitable after a covered loss. We'll help you inventory your belongings so limits match what you'd need to replace.

Coverage for Off-Campus Living

If a student moves off-campus in Bismarck or elsewhere, a parent's homeowners policy may not extend full protection. A separate renters policy can be the simplest solution. Bowerman Insurance Agency can also review dorm scenarios and advise on when a standalone policy becomes the better fit.

A white house with a porch and a chimney

Affordable Protection with Real Value

Renters insurance is often surprisingly inexpensive relative to the coverage it provides. Set a deductible that fits your budget and ask about discounts for smoke alarms, monitored security, or bundling with your auto policy.

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 Answers for ND Tenants

  • How much coverage do I need?

    Enough to replace your belongings-use a quick inventory as a guide.

  • Does my policy cover my roommate?

    Generally, each tenant should have their own policy unless married.

  • Are floods covered?

    Flood is separate; consider a standalone policy if you're in a higher-risk area.