North Dakota Independent Agents

North Dakota Insurance: All Your Needs in One Place

Get help from one of our North Dakota independent agents

They understand your risks and will find you the coverage you need.

Most popular insurance coverages in North Dakota

Home Insurance

The coverage you need to protect your home and everything in it.

Auto Insurance

The right protection for you, your car and others on the road.

Business Insurance

Broad protection that covers you, your employees, and customers.

Workers' Compensation

Valuable employee coverage for work-related injuries and illnesses.

Why Choose an Independent Insurance Agent in North Dakota?

Frequently Asked Questions about Insurance in North Dakota

Independent insurance agents work with several highly rated insurance providers in North Dakota. Some of the best include:

  • Nationwide: Enjoy worry-free claims, customized coverage, and quality customer service when you purchase a policy through Nationwide.
  • Stillwater Insurance Group: Talk to an agent to discover why 90% of Stillwater’s customers would recommend this insurer to their friends and family.
  • The Hanover Insurance Group: The Hanover group has a wide variety of standard and specialized policies and options designed to meet your specific coverage needs.
  • Travelers Insurance: Since 1963, Travelers has provided its customers with reliable coverage through its full line of insurance products.
  • Acuity Insurance: Discover why Acuity Insurance boasts a 95% customer claims satisfaction rating. Request a customized quote today.

Talk to a local independent insurance agent to find out whether one of these or any of our other top-rated partner insurance providers is the best choice for you.

Property owners in North Dakota can protect their finances and assets by purchasing a suitable homeowners insurance policy. Home insurance in ND provides policyholders with:

  • Dwelling insurance: This pays for loss or damage to the structure of your home.
  • Contents insurance: This pays for loss or damage to your personal property.
  • Loss of use insurance: This covers your extra living expenses if a covered event renders your home unsafe for habitation.
  • Liability insurance: This covers court costs, legal fees, and damages if you or a member of your household accidentally cause someone else to experience injuries, property damage, financial losses, or other harm.

A local independent insurance agent can help you be certain you have suitable coverage limits in each coverage category.

Vehicle owners in North Dakota need to have a car insurance policy that meets or exceeds the state’s minimum coverage requirements, which include the following:

  • Auto liability coverage: This pays for other people’s injuries or property damage if you are at fault for an accident. Your policy must provide bodily injury liability coverage of at least:
    • $25,000 in bodily injury liability coverage per person
    • $50,000 in bodily injury liability coverage per accident
    • $25,000 in property damage liability coverage per accident
  • Personal injury protection (PIP): This pays for medical treatment and other related expenses if you or your passengers are injured in a collision, regardless of fault. Your policy must include a minimum of $30,000 worth of PIP coverage per person.
  • Uninsured motorist insurance (UM): This covers expenses related to bodily injuries if you or your passengers are injured in a collision caused by an uninsured driver and the costs exceed the limits of your PIP coverage. Your policy must include at least:
    • $25,000 in UM bodily injury coverage per person
    • $50,000 in UM bodily injury coverage per accident

In addition to the coverage required by law, you can include several options in your policy. A local independent insurance agent can help you make an informed decision about which types of optional coverage are a good fit for you and your family and can find you a suitable policy at a competitive price.

Business insurance is designed to protect the investment you have made in your business by covering against large financial losses in the wake of a disaster. Most small business owners in North Dakota can choose between purchasing a business owners policy (BOP) or a business insurance policy package.

  • A business owners policy is the most cost-effective option for many small businesses. However, this coverage may be somewhat limited. BOPs provide policyholders with three types of commercial insurance coverage: general liability insurance, commercial property insurance, and business interruption insurance.
  • Larger companies and small businesses with complex coverage needs will need to purchase a business insurance policy package. Buying your insurance this way enables you to choose from various property, liability, and other commercial insurance products as you build a policy package appropriate for your North Dakota business.

A local independent insurance agent can recommend suitable policies for your company and shop around to find you the best and most affordable coverage.

Sometimes, workers may be hurt on the job or diagnosed with an occupational illness. Workers’ compensation insurance protects employers and employees by covering expenses related to these injuries and illnesses, such as medical treatment, disability pay, and vocational rehabilitation. With few exceptions, workers' compensation insurance coverage is required for all employers in North Dakota.

Regarding workers’ compensation insurance, North Dakota is one of only four monopolistic states. This means employers in this state can only purchase coverage through the ND state-administered fund. Self-insurance is not permitted.

Life insurance can give your loved ones a financial safety net if you pass away. A small policy may be sufficient to cover final expenses, while a larger policy may be sufficient to pay off your mortgage or cover continuing education costs for your children.

A local independent insurance agent can help you assess your life situation and financial goals and recommend an appropriate term or permanent life insurance policy suitable to meet your coverage needs.

Nearly all homeowners, renters, and business insurance policies exclude coverage for flood damage. Fortunately, only around 15% of all properties in this state are at risk of sustaining significant flood damage over the next 30 years.

If your property is among the more than 70,000 at risk, you can supplement your coverage with a flood insurance policy. Affordable policies are available through the National Flood Insurance Program (NFIP), a program administered by FEMA, for those who live in NFIP-participant neighborhoods. Policies can also be purchased through commercial providers.

When deciding whether or not to purchase a flood insurance policy, consider that the average compensation per flood claim in North Dakota is $24,000. Flood policies take 30 days to go into effect, so do not wait until heavy rains are imminent to purchase your coverage.

Some landlords and rental agencies require tenants to carry renters insurance, but more often than not, this coverage is optional.

Although it is typically not required, renters insurance is a good idea. It can shield you from financial losses related to property damage, theft, displacement, and even personal liability lawsuits, all at a price that many tenants in this state find surprisingly affordable.

The average renters insurance policy in North Dakota costs just $120 a year. At just $10 a month, this is a small price to pay for the many protections these policies offer. Talk to a local independent agent to learn more about what renters insurance can do for you.

If you are a North Dakota resident with a lot to lose, you may consider purchasing umbrella insurance. This secondary insurance coverage is designed to enhance the liability coverage you already have through other policies like homeowners insurance, renters insurance, car insurance, motorcycle insurance, and RV insurance.

Because the coverage offered by an umbrella insurance policy does not kick in until your primary insurance has been exhausted, these policies are very affordable. This coverage is typically sold in million-dollar increments.

Talk to an independent insurance agent in North Dakota to learn more about how umbrella insurance can help you.

Property in this state is at risk for damage caused by severe weather, catastrophes, and property crimes. Fortunately, residents of North Dakota can purchase insurance products designed to cover damage caused by these hazards. Some of the risks most likely to affect property owners in ND include the following:

  • Thunderstorms
  • Windstorms
  • Derechos
  • Bomb cyclones
  • Hailstorms
  • Tornadoes
  • Accidental fires
  • Wildfires

Because independent insurance agents live and work in your neighborhood, they know the risks you face as a property or business owner in your North Dakota city. They can help to ensure that you are suitably covered against all potential perils.

Shopping for insurance can sometimes be frustrating. With so many different products, options, and providers available, it can be difficult to decide which policies make the best choices. That’s why it is helpful to have an experienced insurance agent by your side.

Local independent agents can help by answering your insurance-related questions and offering trustworthy guidance and advice. They can also save you time and money by contacting competing providers and obtaining customized insurance quotes on your behalf.

There are more than 40 independent insurance agencies in North Dakota. When you are ready to get help finding the best and most affordable coverage, arrange an obligation-free consultation with an independent insurance agent near you.

What Our Customers Are Saying