Articles Editor's Blog Reader Mail

Home Owners Insurance Bismarck ND

The biggest question with home insurance is how much do you need? Well, keep in mind that you arent just insuring the structure but you are insuring the contents of your home.

Kramer Agency
(701) 257-7284
123 East Broadway Avenue
BISMARCK, ND
Services
Homeowners Insurance

Farm Bureau - Burleigh County Office
(701) 223-4605
1686 Capitol Way
BISMARCK, ND
Services
Homeowners Insurance

Fargo-Moorhead Insurance-Fmi Inc
(218) 236-8227
215 8th Street South
FARGO, ND
Services
Homeowners Insurance

Farmers Union Insurance Cooperae Insurance Agency
(701) 572-3292
Western Co Op Credit
WILLISTON, ND
Services
Homeowners Insurance

Cooperative Insurance Agency LLC
(701) 770-0083
1300 Bison Drive
WILLISTON, ND
Services
Homeowners Insurance

Allstate Insurance - Patrick N Stocking
(701) 223-4548
1929 N Washington St
BISMARCK, ND
Services
Homeowners Insurance

Kramer Agency Inc
(701) 255-4502
322 E Main Ave
BISMARCK, ND
Services
Homeowners Insurance

Farmers Insurance Group
(701) 235-6409
1815 S University Dr
FARGO, ND
Services
Homeowners Insurance

McClintock Agency
(701) 776-2242
415 3rd Avenue Southwest
RUGBY, ND
Services
Homeowners Insurance

Kramer Agency
(701) 257-7284
123 East Broadway Avenue
BISMARCK, ND
Services
Homeowners Insurance

Home Owners Insurance

Provided By: 

Home Insurance

Home insurance does what it says it does: it insures your home, whether that is your apartment, your condominium or your house.

The biggest question with home insurance is how much do you need? Well, keep in mind that you arent just insuring the structure (and in the case of a condo , you arent insuring the structure at all), but you are also insuring the contents of your home.

Surprisingly, many people will find that they may actually need more insurance for contents than they need for the structure, especially if they have expensive belongings like antiques, high-quality jewellery, high-end electronics or other costly personal belongings. In the case of a disaster, the whole-scale replacement of those contents can be a significant cost - and much more than most people expect. It's a critical area where people underestimate their needs particularly with regards to the replacement value of their goods.

In addition to covering your home and contents, home insurance also provides liability coverage in case someone is hurt on your property. In a litigious world, it pays to have liability coverage. Government does not mandate it, but you should have it. Such liability insurance will cover you if someone is hurt on your property or in your home. If you live in parts of the country where you have winter ice and snow, you probably know how easy it is to slip and fall on a walkway or set of stairs. Liability covers you in just such a case. Do keep in mind that liability covers you for visitors to your home. You should check your policy to see if it also covers family members or those living in the home, if they have an accident on the property.

Usually, when you buy a home, insurance is a condition of your mortgage. However, if you rent you may not have though much about home insurance. You should. Unless you are living in a furnished apartment, you should budget for this. In the case of a disaster - say fire or flood -- you would need tem...

Click here to read the rest of this article from Insurance Guide 101

About Us | Contact Us | Link to Us | Privacy Policy | Terms of Use | Insurance Resources | Sitemap