The top-rated condo insurance agent in Fargo, North Dakota is Far North Insurance, rated 4.9 stars across 204 reviews. Other highly rated options include Farmers Insurance - Donald Zerr, Grand Slam Insurance, Dixon Insurance. This directory lists 16 condo insurance agents serving Fargo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Far North Insurance | 3357 39th St S # 1 | (701) 237-6651 |
| 2 | Farmers Insurance - Donald Zerr | 3003 32nd Ave S #6 | (701) 373-0099 |
| 3 | Grand Slam Insurance | 1205 16th Ave S | (701) 356-3265 |
| 4 | Dixon Insurance | 3101 39th St S suite a | (701) 281-8200 |
| 5 | Superior Insurance | 1002 28th St S | (701) 356-3256 |
| 6 | Summit Insurance Agency | 5302 51st Ave S Unit C | (701) 390-1994 |
| 7 | OnPoint Insurance Services | 3575 45th St S Suite #100 | (701) 353-2592 |
| 8 | FM Insurance | 428 25th St S | (701) 271-8110 |
| 9 | Dawson Insurance Agency | 505 Broadway N Suite 100 | (701) 237-3311 |
| 10 | RJ Bailey Insurance Center | 3611 Lincoln St S Ste C | (701) 356-7001 |
Far North Insurance serves Fargo, North Dakota, and its surrounding metro area, specializing in condo insurance agent services. The company helps local condominium owners arrange coverage for their individual units, including interior structures and personal property. Policies are written to align with association master plans while addressing unit-specific liabilities. It also advises on loss assessment protection for unexpected shared expenses within the complex. Among the specific services it handles in this region are personal liability coverage and claims assistance for water damage claims.
Farmers Insurance - Donald Zerr provides condo insurance in Fargo, ND, offering coverage for personal property, liability, and loss of use. Service options include policy reviews to adjust coverage as needs change and claim assistance for navigating the process. Routine maintenance plans focus on preventing common issues like water damage or theft. The agency insures single-family homes, apartments, retail spaces, and restaurants in the local area.
Grand Slam Insurance assists homeowners, condo owners, and property managers in Fargo, North Dakota, with securing condo insurance policies that cover individual units and common area liabilities. The agency helps clients understand what their master policies cover and where additional protection is needed for personal property and improvements. Services include comparing coverage options for interior structures, loss assessment, and personal liability. The company also serves clients in the neighboring Moorhead area of the metro.
Dixon Insurance in Fargo, ND structures its condo coverage options as either a one-time policy for a single property purchase or a recurring service for ongoing protection. The agency focuses on tailoring policies that address the specific risks typical of condo living in this region, including shared-wall liabilities and individual interior needs. Service arrangements with the agency are determined solely on an as-needed basis, accommodating clients who only require assistance when specific coverage questions or changes arise.
Superior Insurance specializes in structuring condo policies that protect unit interiors, personal liability, and loss assessments. The agency serves Fargo, North Dakota, clients requiring coverage tailored to attached homes and shared building structures. General services include comparing carriers, explaining master policy gaps, and adjusting deductibles for individual budgets. Condo insurance often safeguards against damage from burst pipes, which can leak into adjacent units during harsh winters common to the region.
Winter in Fargo brings heavy snow and ice dams that can threaten condominium roofs and shared walkways, creating potential liability for unit owners. Summit Insurance Agency helps condo owners address these seasonal exposures by reviewing master policies alongside individual HO-6 coverage needs, working to close coverage gaps in building and personal property protections. The agency explains how loss assessments and special assessments are handled under local association bylaws. A policy review begins with a phone discussion or an in-person meeting to inspect the unit and identify specific risks.
OnPoint Insurance Services in Fargo, ND, assists clients with general condo insurance needs and offers additional specialty endorsements to extend coverage. These optional add-ons address gaps in standard policies, such as expanded water backup protection or increased personal property limits. The agency serves a range of commercial sectors, including offices, warehouses, and food service establishments, working to tailor coverage to each property’s specific operational requirements.
FM Insurance serves Fargo, North Dakota, and the surrounding communities, handling condominium insurance policies for local unit owners. It addresses coverage needs for interior structures, personal property, and liability protection within the unique shared-risk framework of condo associations. To complete a typical job, the agency first reviews the master policy requirements, then explains individual coverage gaps to policyholders before tailoring a specific plan to fit each homeowner’s budget and exposure.
Dawson Insurance Agency in Fargo, ND assists residents with policies that protect individual condo units and their contents. Commercial coverage is also offered for multifamily properties and rental investments within the local area. A specialist assesses unique needs for interior fixtures and liability unique to condominium associations. Following an initial sale, the agent provides ongoing support and policy reviews to ensure coverage matches changing property values. This includes convenient follow-up for annual renewals or updated appraisals between regular seasonal visits, helping unit owners maintain continuous protection.
What Does a a Condo Insurance Agent in Fargo Cost?
Typical condo insurance premiums in North Dakota range from 300 to 700 dollars per year for a standard HO-6 policy. Costs depend on the value of your personal property, the deductible you choose, and the location of your unit in Fargo. Flood coverage is often extra and may be required if your condo is in a flood zone. This is general information and not insurance advice.
About condo insurance agents in Fargo
Condo insurance agents in Fargo help owners protect their units with HO-6 policies. North Dakota law requires condo associations to carry master policies, but individual unit owners need separate coverage for personal property and interior improvements. A local agent can explain how these policies work together under North Dakota Century Code Chapter 33-06.
Frequently Asked Questions
What does a condo insurance agent in Fargo do?
A condo insurance agent helps you choose an HO-6 policy that covers personal property, interior walls, and liability. They also explain how your policy interacts with the condo association master policy required by North Dakota law.
Is condo insurance required in North Dakota?
North Dakota law does not require individual unit owners to carry condo insurance. However most mortgage lenders do require it. Your condo association may also have rules requiring you to carry a minimum amount of coverage.
How does North Dakota law affect condo insurance claims?
North Dakota has a six year statute of limitations for breach of contract claims on insurance policies. This means you have up to six years from the date of loss to file a lawsuit if your claim is denied. A local agent can help you understand these timelines.
Condo Insurance Agents in Other North Dakota Cities
Bismarck · Grand Forks · Minot · West Fargo · Williston