What do you call home: house, condo, apartment?

We can help you protect it.

Home Insurance

Nodak Insurance Company agents provide the answers you need to make educated insurance decisions.

What is your housing status?

I own a home

Protect your home and everything in it

Choose to cover:

Your home and its contents

Your basic homeowner's policy 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

Your home only

This 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

Choose your protection

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

Additional coverages

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

Other common coverages

  • Water backup and sump discharge or overflow
  • Scheduled personal property
  • Replacement cost loss settlement
  • Identity theft

I own a condominium

As a condo owner, your insurance needs are unique

Your condominium association 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.

Coverages include protection against

  • Fire & 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

I rent a home or apartment

Renter's insurance is smart, low cost protection

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.

Your 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

A few of our most common questions…

How often do I need to review my homeowner's insurance?

How often do I need to review my homeowner's insurance?

Most people purchase a policy when they buy a home, and rarely think of it again. The problem is, your home typically appreciates over time. The value also increases as you make improvements.

With that in mind, it's a good idea to review annually so you have the coverage you need if something happens to your home.

How much is enough?

How much is enough?

If you have a mortgage on your home, you will be required to have a certain amount of coverage. Beyond that, some things you may want to consider are:

  • The cost to replace your home if it was completely destroyed
  • Additional coverage for jewelry, electronics, or kept collectibles within your home
  • What would it cost to replace all the contents of your home? Do you have enough coverage to do so?
  • If someone were injured on your property or as a result of your negligence, do you have enough
  • coverage to protect all your personal assets?

How do I determine my deductible?

How do I determine my deductible?

You have some choices to make here.

Higher deductible = lower premium

With a higher deductible you'll also need to come up with more money out of your own pocket should something happen to your home or its contents.

Lower deductible = higher monthly premium

With a lower deductible if something happens to your home or belongings, you won't have much expense from your own pocket.

Your choice of deductible boils down to how much money you have at your fingertips at any given time—and how much of a risk you are willing to assume.

Are there discounts available?

Are there discounts available?

Yes. Discounts for homeowners include:

  • Multi-line discount
  • Age of dwelling/newer home discount
  • Protective device discount
  • Mature homeowners' discount
  • New roof discount

Learn more about all the discounts available for Nodak Insurance Company customers.

This website contains only a general description of coverage, and is not a policy contract. Coverage under a Nodak Insurance Company product is subject to terms, conditions and exclusions in the actual policy.