The top-rated condo 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, Morgan Hayden - State Farm Insurance Agent. This directory lists 20 condo 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 | Morgan Hayden - State Farm Insurance Agent | 101 Slate Dr Ste 3 | (701) 222-0404 |
| 5 | Kayla Small Agency & Associates LLC American Family Insurance | 1929 N Washington St Ste Kk | (701) 989-6899 |
| 6 | Terry Richter - State Farm Insurance Agent | 201 N 19th St | (701) 223-8757 |
| 7 | Bain Agency | 1500 E Capitol Ave | (701) 223-2233 |
| 8 | A & M Insurance Agency | 1401 Skyline Blvd #220 | (701) 250-6417 |
| 9 | Steffes Agency | Central Ave Hazen, 1155 Burlington Dr Suite B 213 | (701) 255-6144 |
| 10 | Pat Stocking: Allstate Insurance | 1929 N Washington St | (701) 223-4548 |
Roberta Storm - State Farm Insurance Agent serves the Bismarck, North Dakota, metro area as a local provider of condo insurance policies. The agency works with condominium owners to secure coverage that protects their individual units and personal belongings. Common policies include protection for interior fixtures, appliances, and liability. In this area, the agent helps clients understand master policy gaps and identify appropriate loss assessment endorsements for shared building elements.
Farmers Insurance - Kyle Herman provides condo insurance services tailored to individual condominium unit owners and associations in Bismarck, North Dakota. Its maintenance plans help policyholders protect personal belongings, interior fixtures, and liability exposure while addressing gaps in master policies. Regular insurance assessments ensure coverage adapts to changing local market values and repair costs. The agency services various properties, including single-family homes, apartments, retail spaces, and restaurants.
Renae Haug - State Farm Insurance Agent serves homeowners and property managers in Bismarck who need specialized condo insurance coverage. The agency provides policies tailored to protect individual units and shared building structures, addressing liability and personal property concerns common in condominium associations. Service includes explaining master policy gaps and helping clients select appropriate deductibles and contents protection. The agency also extends its insurance services to nearby Mandan across the Missouri River.
Serving Bismarck and the surrounding communities of central North Dakota, Morgan Hayden - State Farm Insurance Agent offers condo insurance coverage. It handles policies protecting individual unit owners from common risks like interior damage and personal liability. The agency provides standard coverage for a policyholder’s possessions and structural improvements within their unit. To handle a typical job, the agent responds to the specific details of a client’s condo association master policy and fills gaps with tailored personal protection.
Specializing in tailoring condo insurance policies for Bismarck residents, Kayla Small Agency & Associates LLC American Family Insurance provides coverage that meets the unique needs of condo owners. It assists clients in understanding master policy gaps and securing personal property, liability, and loss assessment protection. The agency guides customers through the complexities of insuring upgrades and shared building structures common to condominium associations. With North Dakota’s harsh winter weather posing risks for frozen pipes and roof damage, the company helps condo owners review their policies before the snow season begins.
Terry Richter, a State Farm Insurance Agent in Bismarck, ND, helps local condo owners understand the difference between a one-time policy, which covers a single claim or purchase, and recurring coverage that protects their unit year after year. Condo insurance here generally protects personal belongings and interior structures not covered by the association’s master policy. Service for assessing individual coverage needs runs on a scheduled basis, with new policies available through one-time applications and ongoing adjustments as circumstances change.
Located in Bismarck, ND, Bain Agency provides comprehensive condo insurance solutions tailored to local property owners. The agency focuses on protecting individual units and covering shared building liabilities often excluded from master policies. Policies address common needs such as interior damage, personal liability, and loss of use coverage. Bain Agency serves a diverse range of commercial sectors, including offices, warehouses, and food service establishments, ensuring each business obtains appropriate property and liability protection.
A & M Insurance Agency in Bismarck, ND provides residential condo insurance for individual unit owners. The agency also offers commercial coverage for entire condo associations and their common areas. This service extends throughout Bismarck and the surrounding Burleigh County region. Clients can contact the office for policy questions or adjustments after the initial purchase. The agency regularly follows up with clients between policy visits to review any needed coverage updates.
As winter snows recede in Bismarck, condo owners often assess seasonal wear on shared roofs and exterior walls. Steffes Agency helps insure those structures alongside personal belongings and liability coverage. A typical discussion with a Bismarck condo insurance agent covers master policy gaps and individual unit protections. Bundling common-area and personal coverage ensures you are not left paying for damage a master policy excludes. An initial assessment of your current policy and condo association documents identifies specific needs before reviewing replacement cost options for your unit.
Pat Stocking: Allstate Insurance in Bismarck, ND, is a local agency known for providing condo insurance policies tailored to individual homeowners and unit owners. Its services typically include coverage for personal property, liability protection, and structure modifications unique to condominium living. The agency helps clients navigate master policy gaps to ensure adequate dwelling and loss assessment coverage. As a specialty service, it can add on identity theft protection to safeguard personal information against fraud.
What Does a a Condo Insurance Agent in Bismarck Cost?
Condo insurance in North Dakota typically costs between 200 and 600 dollars per year for a standard policy. Factors affecting cost include your unit value, deductible choice, and location within Bismarck. Premiums may be higher for older buildings or units with high value improvements. This is general information and not insurance advice.
About condo insurance agents in Bismarck
Condo insurance in Bismarck North Dakota covers your personal property and interior structures not protected by the master policy. North Dakota law requires condominium associations to carry a master policy, but individual unit owners need their own HO-6 policy for personal liability and improvements. A local agent can explain how Bismarck weather risks like hail and snow affect your coverage needs.
Frequently Asked Questions
What does a condo insurance agent in Bismarck do?
A condo insurance agent helps you find an HO-6 policy that covers your personal belongings, interior walls, and liability. They review your association master policy to identify gaps in coverage. They also advise on North Dakota specific risks such as winter freeze damage.
Is condo insurance required in North Dakota?
North Dakota law does not require individual condo insurance, but most mortgage lenders do require it. Condominium associations typically require unit owners to carry liability coverage as part of the bylaws. Without a policy you could be personally responsible for damage to your unit.
What does a typical Bismarck condo insurance policy cover?
A standard HO-6 policy covers personal property, interior fixtures, loss of use, and personal liability. It also covers improvements you make to the unit. Flood and earthquake coverage are usually separate and may be needed in Bismarck flood zones.
Condo Insurance Agents in Other North Dakota Cities
Fargo · Grand Forks · Minot · West Fargo · Williston