From photographs to furniture, your home houses not just you and your family, but your memories, keepsakes and valuables. It provides you with a sense of security, so you should protect it with North Dakota homeowners' insurance.
You don't have to settle for an expensive policy that strains your finances. After all, your North Dakota home insurance should make you feel comfortable and secure, not overextended. With the aid of InsureMe, you can comparison shop and find the policy that fits both your needs and your budget with little effort.
Get your free quotes today!
Understanding North Dakota Home Insurance
In North Dakota, there are two main types of North Dakota homeowners' insurance. A named peril policy provides coverage for a specific list of events, and an open peril policy provides coverage for all events except those expressly named in the exclusion clause. The latter likely costs more, but protects your home against more events.
Basic Coverage Perils: Covers fire, lightening, windstorm, hail, explosion, riot, or civil commotion, aircraft, vehicles, smoke, vandalism and theft.
Broad Coverage Perils: Covers all basic perils, as well as volcanic eruption, falling objects, weight of snow, snow or sleet, collapse of building, accidental discharge or water or steam and sudden or accidental damage from an artificially generated electrical current.
Know Your Options
As a North Dakota homeowner, you have several options for home insurance. Although insurers may call these policies by different names, they offer similar coverage to those described below.
If you are a tenant or condo owner, you are vulnerable to the same types of events that you would be in a home and deserve coverage that will protect your belongings as well.
What's covered by your policy depends on the type you've chosen. It's important to remember that named peril policies only cover the basic or broad perils listed. The more comprehensive open peril policy covers anything except those things specifically excluded.
To ensure you have the right amount of coverage for your home and belongings, you may opt for additional coverage when purchasing your North Dakota homeowners' insurance.
A Few Add-Ons
Prevent undue stress should disaster strike by letting InsureMe help you find a policy that will protect your pocketbook and your property.
Get started now!