The top-rated condo insurance agent in West Fargo, North Dakota is Ryan Kill - State Farm Insurance Agent, rated 4.9 stars across 546 reviews. Other highly rated options include Renee Forde - State Farm Insurance Agent, Farmers Union Insurance - Justin Heisler Agency, HUB International. This directory lists 10 condo insurance agents serving West Fargo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ryan Kill - State Farm Insurance Agent | 540 Oak Ridge Way E | (701) 893-3000 |
| 2 | Renee Forde - State Farm Insurance Agent | 3139 Bluestem Dr Ste 104 | (701) 280-2811 |
| 3 | Farmers Union Insurance - Justin Heisler Agency | 623 East Main | (701) 318-7228 |
| 4 | HUB International | 3220 4th St E #201 | (701) 239-4647 |
| 5 | Linster Agency, LLC | 158 W Beaton Dr Suite 200 | (701) 781-2546 |
| 6 | Absolute Insurance Agency, LLC | 1241 Prairie Pkwy Suite 120 | (701) 365-0515 |
| 7 | COUNTRY Financial - Cody Walton Agency | 3275 Oak Ridge Loop E | (701) 353-6069 |
| 8 | Ihry Insurance Agency, Inc. | 1291 13th Ave E | (701) 557-1727 |
| 9 | Tci Insurance Agency, Inc. | 158 W Beaton Dr #100 | (701) 277-1710 |
| 10 | Integrity First Insurance | 213 1/2 Main Ave E | (701) 532-1123 |
Ryan Kill - State Farm Insurance Agent serves the West Fargo, North Dakota metro area, providing condo insurance services that protect both personal property and the interior structure of units not covered by a building’s master policy. The agency works with homeowners associations and individual condo owners to assess liability risks and coverage gaps. It handles loss assessment coverage for shared building damage and personal liability protection for unit owners.
Renee Forde - State Farm Insurance Agent in West Fargo, ND provides a range of services for securing condo insurance, including personalized coverage options and liability protection. It offers ongoing policy reviews and assistance with claims to help maintain appropriate coverage over time. The agency services a variety of properties, such as single-family homes, apartments, retail locations, and restaurants.
Farmers Union Insurance - Justin Heisler Agency serves clients in West Fargo and the surrounding Red River Valley communities. It handles a full range of condo insurance options, from individual unit policies to standard homeowners coverage tailored for condominium associations and their residents. The agency works with each client to understand specific building requirements and personal asset protection needs. It typically begins a job with a detailed policy review then customizes a plan to match the client’s unique risk exposures and financial concerns.
HUB International in West Fargo serves homeowners, property managers, and condominium associations seeking specialized coverage for shared-risk structures and individual units. The agency provides tailored condo insurance policies, addressing common area liability and interior protection needs for unit owners in North Dakota’s Red River Valley. With a focus on matching coverage to each property’s specific requirements, this firm helps clients navigate the unique challenges of condo ownership. It also extends its services to neighboring communities throughout the Fargo-Moorhead metropolitan area, including Dilworth, Minnesota.
Homeowner or condo association policies typically cover the building structure, while Linster Agency, LLC in West Fargo, ND specializes in the separate condo insurance that protects a unit owner's personal belongings, interior fixtures, and liability. A one-time policy protects individual assets, while scheduled coverage can address specific high-value items. Service at this agency runs on either a one-time or as-needed basis, depending on the client's request.
Absolute Insurance Agency, LLC in West Fargo, ND offers specialized condo insurance services tailored to the unique needs of unit owners. They provide general agency work that covers individual policies for interior structures, personal property, and personal liability protection. This helps local residents navigate the specific coverage gaps between their association’s master policy and their personal assets. They also assist with seasonal concerns such as spring thaw damage to concrete or roofing components in shared condo buildings that are common in North Dakota’s climate.
Winter storms and ice dams can suddenly put condominium roofs and shared walls to the test in West Fargo. COUNTRY Financial - Cody Walton Agency addresses these risks by providing condo insurance agent services that align common-area coverage with individual unit policies. Personal property, liability, and loss assessment endorsements are tailored to each homeowner’s specific situation. A thorough initial inspection of the unit and a review of the association’s master policy are conducted as the first-assessment step.
Ihry Insurance Agency, Inc. serves clients in West Fargo, North Dakota, helping them secure coverage for their condominium units. The agency also specializes in adding standalone condo insurance policies that protect interior improvements and personal property not covered by a master association policy. Condo insurance agents in this area routinely advise on loss assessment coverage and personal liability protection. The company can serve commercial sectors such as offices, warehouses, and food service operations with appropriate business insurance solutions.
Tci Insurance Agency, Inc. in West Fargo, North Dakota, provides residential condo insurance to local homeowners, tailoring policies to protect individual units and shared building interests. The agency also assists with commercial coverage for small properties in the area, serving clients throughout West Fargo and surrounding communities. While securing initial insurance is key, the office helps customers adjust their policies following renovations or personal property changes between regular visits, ensuring continuous protection.
Integrity First Insurance, based in West Fargo, ND, is known for providing tailored coverage options for condo owners. Its service range focuses on protecting personal belongings, interior structures, and liability within individual units. General policies also address loss assessments from the homeowners' association. For those requiring broader protections, the company can add on coverage for sewer backup and sump pump overflow.
What Does a a Condo Insurance Agent in West Fargo Cost?
Condo insurance in West Fargo North Dakota generally costs between 200 and 600 dollars annually for a standard HO-6 policy. Premiums vary based on your units square footage, the age of the building, your deductible choice, and the value of your personal belongings. Higher risk factors such as a history of claims or a location near flood zones may increase costs. This is general information and not insurance advice.
About condo insurance agents in West Fargo
Condo insurance agents in West Fargo North Dakota help you protect your unit and personal belongings. North Dakota law requires condominium associations to carry master policies, but individual unit owners need their own HO-6 policy for interior improvements and liability. A local agent can explain how these policies work together for your specific situation.
Frequently Asked Questions
What does a condo insurance agent in West Fargo do?
A condo insurance agent helps you find an HO-6 policy that covers your personal property, interior walls, and liability. They also review your associations master policy to identify gaps in coverage. This ensures you are not underinsured for renovations or personal assets.
Is condo insurance required by law in North Dakota?
North Dakota law does not require individual unit owners to carry condo insurance. However most mortgage lenders require an HO-6 policy. Your condominium association may also have bylaws that mandate minimum coverage for unit owners.
How much does condo insurance cost in West Fargo?
Typical condo insurance costs in North Dakota range from 200 to 600 dollars per year for standard coverage. Factors like unit size, location, deductible amount, and personal property value affect the premium. An agent can provide a personalized quote based on your needs.
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