home insurance
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Home Insurance
Whether you own or rent, your home is your castle. That's why it's important to protect what's most important to you with a tailored policy from Nodak Insurance Company.
You can protect your home and its contents with our basic homeowner's policy which covers:
  • Your property
  • Your home and related structures
  • Your personal property in your home and in the structures on your property
  • Liability and medical payments for damage or injury that occurs as a result of your negligence
Choose to insure your home only and our policy covers:
  • Your property
  • Your home and related structures
  • Liability and medical payments for damage or injury that occurs as a result of your negligence.
In addition, at no extra cost, harvested grain is covered while being stored on or transported from the farm premises against the following perils (except for special exclusions):
  • Fire and smoke
  • Lightning, windstorm or hail
  • Explosion
  • Vehicles or aircraft
  • Upset or overturn of vehicle transporting grain
  • Theft, vandalism or malicious mischief
Tailor your policy with the following coverages, known as basic perils. They include:
  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Smoke damage
  • Vandalism or malicious mischief
  • Theft
  • Breakage of glass or safety glazing material
  • Equipment Breakdown
Choose even more options, known as broad perils. They include the above perils plus:
  • Falling objects
  • Weight of ice, snow or sleet
  • Collapse of building or any part of a building
  • Freezing
  • Water damage from sudden and accidental discharge from plumbing system or appliance
Optional endorsements:
  • Water backup and sump discharge or overflow
  • Scheduled personal property
  • Replacement cost loss settlement
Condominium associations likely insures the building's common areas. However you're responsible for your personal property, additions or improvements and the need to protect yourself from liability.
Our policy protects against:
  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism and malicious mischief
  • Theft
  • Falling objects
  • Weight of ice, snow or sleet
  • Accidental discharge or overflow of water or steam
  • Sudden and accidental tearing apart, cracking, burning or bulging
  • Freezing
  • Sudden and accidental damage from artificially generated electrical current
  • Volcanic eruption
  • Equipment Breakdown
Why is renters insurance important? While you may choose not to own a home, it is important to protect yourself and your personal property if someone gets hurt while at your apartment or as a result of your negligence. If you are found liable, potential medical and legal expenses can be financially devastating.
Our renter's policy covers:
  • Liability protection for bodily injury and property damage claims
  • Medical payments to others for injuries that occur at your apartment or the result of your negligence
  • Personal property protection
Additional Policy Features:
  • Worldwide personal property coverage
  • Loss of use-additional living expenses
  • Credit card and Electronic Funds Transfer (EFT) forgery protection as a result of theft
  • Coverage for boats, trailers and their related equipment
  • Protection for jewelry and electronic equipment
Optional Coverages:
  • Replacement cost protection
  • Snowmobile/recreation vehicles
  • Water backup and sump discharge
  • Building additions and alteration
Nodak Insurance Company provides free identity theft protection when you have a homeowner's, business owners or farm and ranch policy with us. Click here for more information or contact your Nodak Insurance agent.
Discounts
Multi-line discount - The more you insure with Nodak Insurance Company, the more you save. Receive a reduced premium on your homeowner's insurance when you also insure your autos with us.
Age of dwelling/newer home discount - Your home may be eligible for a premium discount based on the year it was built.
New roof discount - This discount rewards you for a newer roof.
Protective Device Discount - Receive premium discounts for having smoke alarms and fire extinguishers, dead bolt locks, burglar alarm systems and automatic sprinklers.
Mature homeowner discount - If you're 50 years of age or older, you'll receive a discount on your homeowner's policy.

Find an Agent



Nodak Insurance Company

1101 1st Ave N
Fargo, ND 58102

877-814-5011