The top-rated home insurance agent in Bismarck, North Dakota is Roberta Storm - State Farm Insurance Agent, rated 4.9 stars across 228 reviews. Other highly rated options include Farmers Insurance - Kyle Herman, Renae Haug - State Farm Insurance Agent, Farmers Insurance - Tamie Schmidt. This directory lists 21 home insurance agents serving Bismarck.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Roberta Storm - State Farm Insurance Agent | 116 S Hannifin St | (701) 258-0123 |
| 2 | Farmers Insurance - Kyle Herman | 1022 E Divide Ave Ste C | (701) 255-3655 |
| 3 | Renae Haug - State Farm Insurance Agent | 1471 Interstate Loop #1 | (701) 255-4433 |
| 4 | Farmers Insurance - Tamie Schmidt | 523 N 4th St Ste 201 | (701) 222-4300 |
| 5 | Kayla Small Agency & Associates LLC American Family Insurance | 1929 N Washington St Ste Kk | (701) 989-6899 |
| 6 | Shane Splonskowski Agency Inc American Family Insurance | 1830 E Century Ave suite 6 | (701) 258-5454 |
| 7 | Terry Richter - State Farm Insurance Agent | 201 N 19th St | (701) 223-8757 |
| 8 | Bain Agency | 1500 E Capitol Ave | (701) 223-2233 |
| 9 | A & M Insurance Agency | 1401 Skyline Blvd #220 | (701) 250-6417 |
| 10 | Steffes Agency | Central Ave Hazen, 1155 Burlington Dr Suite B 213 | (701) 255-6144 |
Roberta Storm - State Farm Insurance Agent serves the Bismarck, North Dakota metro area as a home insurance agent. The agency provides standard homeowners policies that protect dwellings and personal belongings. It also offers liability coverage for accidents that occur on a customer’s property. Clients can receive personalized risk assessments to help determine appropriate coverage levels. Additional home insurance services in this region include protection against weather-related damage common to the Northern Plains. The agency specifically handles policy adjustments for seasonal home maintenance and new homeowner coverage inquiries.
Farmers Insurance - Kyle Herman provides a full range of home insurance services in the Bismarck area, including structure, liability, and personal property coverage. It offers service and maintenance plans such as customizable policy adjustments and claims assistance to help protect homeowners against unexpected damage. The agency serves single-family homes, apartments, retail spaces, and restaurants throughout the local community.
Renae Haug - State Farm Insurance Agent serves homeowners, property owners, and renters in Bismarck, North Dakota, with tailored home insurance policies. It helps customers evaluate coverage options for dwelling protection, personal property, and liability. Clients receive guidance on selecting deductibles and endorsements to meet their specific needs. Every representative is focused on explaining policy details clearly. Claims assistance is also provided to local residents when needed. Service areas extend to the neighboring community of Lincoln, ensuring access for homeowners throughout the Bismarck metro region.
Farmers Insurance - Tamie Schmidt in Bismarck, ND, offers guidance on the difference between one-time policy purchases and recurring annual coverage adjustments for home insurance. Their work includes protecting local homes from regional risks like hail and snow damage through standard homeowners policies. They assist with coverage for dwelling, personal property, and liability. Typical service appointments in this area are handled as-needed, with consultations available upon request for policy changes or new home purchases.
Kayla Small Agency & Associates LLC American Family Insurance in Bismarck provides personalized home insurance policies tailored to protect property and belongings. The agency works closely with homeowners to assess individual coverage needs, ensuring structures and possessions are safeguarded against common regional risks. It also offers comprehensive liability protection for residential properties. With North Dakota’s harsh winter weather, the agency helps clients review their policies to secure adequate coverage for potential ice dam damage or freeze-related plumbing issues.
With harsh winters and summer storms common across Bismarck, property protection becomes a pressing concern for homeowners. Shane Splonskowski Agency Inc American Family Insurance provides home insurance coverage tailored to local risks. The agency helps clients understand policy options for dwelling, personal property, and liability protection. Working with an independent local office allows for personalized attention when reviewing coverage needs or filing claims. An initial consultation begins with a review of your home’s structure and surrounding environment to assess specific vulnerabilities and recommend appropriate limits.
Terry Richter - State Farm Insurance Agent serves the Bismarck, North Dakota area and its surrounding communities, handling a range of home insurance policies. It works with clients to protect residential properties against common risks in the region, such as severe winter weather and hail damage. The agency focuses on assessing individual property needs and coverage options. To handle a typical job, it reviews the homeowner’s current policy and local risk factors, then presents tailored recommendations to ensure adequate protection.
Serving residential clients throughout the Bismarck area, Bain Agency provides essential home insurance solutions to protect local properties and personal belongings. Commercial coverage is also available for small businesses seeking to safeguard their operations and assets. As a local home insurance agent, the company assists policyholders in understanding their coverage options and navigating claims when damage occurs. Clients can expect reliable follow-up after any policy changes or incidents, ensuring consistent support between regular service visits to address evolving coverage needs.
A & M Insurance Agency is known for providing homeowners insurance tailored to the unique property risks in Bismarck. The company helps local clients evaluate dwelling coverage, liability protection, and personal property needs through detailed policy guidance. It serves homeowners seeking to safeguard their investment against common regional weather threats. For added peace of mind, the agency can arrange separate flood insurance policies for properties near vulnerable areas.
Steffes Agency provides home insurance coverage for clients in the Bismarck area, helping to protect residential properties against common risks such as fire, storm damage, and liability claims. For homeowners seeking additional protection, the firm offers specialty add-ons like coverage for flood hazards, sewer backup, and personal property endorsements. The agency works with a variety of commercial sectors, including small offices, warehouses, and food service establishments.
What Does a a Home Insurance Agent in Bismarck Cost?
The average cost of home insurance in North Dakota is around $1,500 to $2,500 per year for a standard policy. Factors that affect your premium include the age and location of your home, your deductible, and your claims history. Bismarck homes may have slightly different rates due to local weather risks. This is general information, not insurance advice.
About home insurance agents in Bismarck
A home insurance agent in Bismarck, North Dakota can help you find a policy that meets your needs. North Dakota law requires that all homeowners insurance policies include coverage for wind and hail damage. Agents in Bismarck understand the local risks, including severe winter storms and tornadoes.
Frequently Asked Questions
What does home insurance typically cover in North Dakota?
Home insurance in North Dakota usually covers the structure of your home, personal belongings, liability protection, and additional living expenses. North Dakota law mandates coverage for wind and hail damage. Policies may also cover fire, theft, and vandalism.
How do I choose a home insurance agent in Bismarck?
Look for an agent who is licensed in North Dakota and has experience with local risks. Ask about their knowledge of Bismarck-specific weather patterns and insurance regulations. You can check an agents license status through the North Dakota Insurance Department.
Are there specific North Dakota laws that affect home insurance?
Yes, North Dakota Century Code Title 26.1 governs insurance in the state. One key law requires insurers to offer coverage for wind and hail damage. Also, North Dakota has a 12-month statute of limitations for filing a lawsuit after a claim denial.
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