The top-rated home insurance agent in Fargo, North Dakota is Far North Insurance, rated 4.9 stars across 204 reviews. Other highly rated options include Grand Slam Insurance, Farmers Insurance - Donald Zerr, Dj Colter Agency Inc American Family Insurance. This directory lists 16 home insurance agents serving Fargo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Far North Insurance | 3357 39th St S # 1 | (701) 237-6651 |
| 2 | Grand Slam Insurance | 1205 16th Ave S | (701) 356-3265 |
| 3 | Farmers Insurance - Donald Zerr | 3003 32nd Ave S #6 | (701) 373-0099 |
| 4 | Dj Colter Agency Inc American Family Insurance | 4215 31st Ave S suite b | (701) 235-6641 |
| 5 | Dixon Insurance | 3101 39th St S suite a | (701) 281-8200 |
| 6 | Superior Insurance | 1002 28th St S | (701) 356-3256 |
| 7 | Summit Insurance Agency | 5302 51st Ave S Unit C | (701) 390-1994 |
| 8 | OnPoint Insurance Services | 3575 45th St S Suite #100 | (701) 353-2592 |
| 9 | FM Insurance | 428 25th St S | (701) 271-8110 |
| 10 | Dawson Insurance Agency | 505 Broadway N Suite 100 | (701) 237-3311 |
Far North Insurance serves the Fargo, North Dakota metro area as a home insurance agent. The company helps homeowners secure policies that cover dwelling protection, personal property, and liability coverage for unexpected incidents. It assists clients in navigating standard coverage options suited to regional weather conditions. Policies typically address risks such as wind, hail, and winter-related damage common in the northern plains. Far North Insurance handles customizing deductibles and endorsements for specific property needs.
Serving as a home insurance agent, Grand Slam Insurance in Fargo, ND helps clients obtain coverage for their properties. It offers comprehensive insurance plans that can protect against common risks like fire, theft, and storm damage. The agency assists homeowners in reviewing their policies annually to ensure coverage keeps pace with property improvements or changing needs. This office services a wide variety of properties, including single-family homes, mobile homes, apartments, retail storefronts, and restaurants.
Homeowners, families, and property managers in Fargo turn to Farmers Insurance - Donald Zerr for home insurance agent services, including coverage options and policy guidance. The agency works with clients to select appropriate homeowners plans that protect dwellings and personal belongings. Donald Zerr provides homeowners insurance services to residents seeking reliable protection for their properties. In addition to serving the greater Fargo metro area, the agency also covers neighboring communities in Cass County such as West Fargo.
In Fargo, where winter storms and sudden thaw cycles can threaten a home’s roof and foundation, Dj Colter Agency Inc American Family Insurance helps local homeowners secure appropriate coverage. As a Home Insurance Agent, the company evaluates each property’s exposure to North Dakota weather patterns, including heavy snow and freezing rain. They review policy options that address standard risks like fire, theft, and liability. An agent will schedule a walkthrough of the home to identify specific vulnerabilities before tailoring a policy recommendation.
When securing a home, customers may choose between one-time liability coverage for a single property or recurring protection that renews automatically for ongoing peace of mind. Dixon Insurance in Fargo, ND, helps homeowners evaluate their distinct needs for standard dwelling and personal property coverage against regional perils such as winter storms and hail damage. Their service operates on an as-needed basis, available whenever a client requires a new policy review or an annual reassessment of their current plan.
Superior Insurance specializes in tailored coverage for homes in Fargo, including protection for dwelling structures and personal property. It also provides standard homeowners policies that cover liability and additional living expenses after covered damage. The agency works with local clients to assess risks common to the region, such as hailstorms and winter freeze events. It helps insureds prepare for and recover from seasonal threats like ice dam formation and basement flooding.
As winter snow and ice accumulate on roofs in Fargo, homeowners need coverage that addresses potential collapse or ice dam water damage. Summit Insurance Agency provides tailored home insurance policies designed for these local weather risks. The agency works with homeowners to review existing coverage limits and deductibles, ensuring protection against common regional perils like frozen pipes and windstorms. Property-specific valuations help match policy terms to actual rebuilding costs in the area. Every new client relationship begins with a thorough property inspection and detailed risk assessment conversation.
OnPoint Insurance Services in Fargo, ND helps homeowners secure coverage for their properties and personal belongings. The company specializes in offering add-ons such as flood and windstorm protection, which are essential for the local climate. Its work extends beyond residential policies to include commercial sectors, serving offices, warehouses, and food service businesses that require tailored liability and property insurance.
FM Insurance serves Fargo, North Dakota, and the surrounding communities, handling a full range of home insurance agent services for local homeowners. It manages policies for property protection, liability coverage, and additional structures on residential properties throughout the region. To ensure proper protection for each home, the company begins every job by reviewing the specific risks common to the area’s weather patterns and construction styles before recommending coverage options.
Dawson Insurance Agency in Fargo, ND helps homeowners find residential coverage that fits their properties and personal needs. They also serve local businesses by offering commercial policies to protect various enterprises throughout the area. Their work includes explaining policy options, comparing coverage limits, and assisting with claims when necessary. Between regular policy reviews or following a claim, the agency follows up to ensure the client’s coverage still meets their situation for continued protection.
What Does a a Home Insurance Agent in Fargo Cost?
The average cost of home insurance in North Dakota is around 1,200 to 1,500 dollars per year for a standard policy. In Fargo, rates may vary based on your homes age, location, and the amount of coverage you choose. Factors like the risk of hail and winter storms can affect your premium. This is general information and not insurance advice.
About home insurance agents in Fargo
A home insurance agent in Fargo can help you find a policy that protects your home and belongings. North Dakota law requires insurers to offer coverage for wind and hail damage, which is important in this region. Agents in Fargo understand local risks like severe winter storms and can guide you through the process.
Frequently Asked Questions
What does a home insurance agent in Fargo do?
A home insurance agent helps you compare policies from different companies to find coverage that fits your needs. They explain policy terms and help you file claims if you have damage to your home.
Do I need flood insurance in Fargo North Dakota?
Flood insurance is not required by state law but may be required by your mortgage lender if you are in a flood zone. The Red River can cause flooding in Fargo, so many homeowners choose to buy flood insurance through the National Flood Insurance Program.
How long do I have to file a home insurance claim in North Dakota?
North Dakota law does not set a specific time limit for filing a claim, but most policies require you to notify your insurer promptly after a loss. You should check your policy and contact your agent as soon as possible to avoid delays.
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