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 can help build a homeowner’s insurance policy 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.
Core Coverages for Homes
Dwelling coverage for the structure itself. Personal property for furniture, electronics, and clothing. Personal liability helps protect against financial consequences of bodily injury and property damage to others 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 and also help you protect your family’s financial interests!
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. Also consider the Extended Replacement Cost Option of 20% or more (depending on the company) to give additional coverage on the dwelling when rebuilding after being destroyed by a covered claim.
Bowerman Insurance Agency will explain all these options and help you decide what is best for your situation.
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 a homeowner’s policy. Flood is not part of a home policy and may require a separate policy, especially in certain floodplains or near rivers and lakes.
If you’re operating a business out of your home, this exposure should be added to your policy but only provides limited coverage. For full insurance protection a commercial policy may be needed.
Straight Answers for ND Homeowners
Are hail and wind covered?
Yes-standard policies typically include wind and hail coverage; a wind/hail deductible may apply.
Do I have enough coverage?
We can do an estimate that reflect materials, house type and local labor.
Can I cover valuables like jewelry?
Scheduled personal property is available for high-value items.
What if I care for another person in my home?
Typically refers to coverage known as Medical Payments to Others, let our agency know if you are caring for another person so we can help with the coverage you need.
If my home is partially damaged or destroyed what happens if I need to bring my house up to a building code?
Ordinance or Law Coverage helps with the costs of bringing your home up to code. Compliance with local regulations might include the Loss to the Undamaged Portion of your house, Demolition Costs and the Increased Cost of Construction. These coverage all have very limited coverages on a policy and all companies differ on these coverage so it’s essential to discuss this exposure with our agency.