Homeowners Insurance Fargo ND
If you need homeowners insurance in Fargo, ND, RJ Bailey Insurance Center, 58104, has the knowledge and expertise to find a homeowners insurance policy that suits your house and your budget. Homeowners insurance should be designed to protect your house and possessions, and the policies that homeowners choose can vary as widely as their homes. Let us help you choose the homeowners insurance options that fit your lifestyle the best.
Fire and theft coverage are the most basic options with homeowners insurance. Liability coverage is generally included in case of accidents around the home. Specialized coverage for your possessions and property are worth looking in to for your homeowners insurance. Flood insurance is a common option we’re asked about, and we can explain all the choices you have for including flood coverage along with your homeowners insurance. We know all the homeowners insurance options available from over a dozen companies that we work with on a daily basis. You won’t get that kind of expertise from an online search. And we will work to get the lowest rates possible for your specific needs.
While we’re based in Fargo, 58104, our agents can provide homeowners insurance policies throughout North Dakota, South Dakota, and Minnesota. Call us today for a homeowners insurance quote, or make an online request from our form here at our website. We’ll provide you a personalized quote and discuss all the options that you have available to you.
RJ Bailey Insurance Center
3611 Lincoln St S Ste C
Fargo, ND 58104
Homeowners Insurance for All Kinds of Homes
Depending on what type of home you live in – a house, apartment, or condominium – the right homeowners insurance policy can provide you with the peace of mind you need. The right home insurance will also provide you with the money you need to repair or replace your home and/or belongings. Contact us for more information today!
Fargo North Dakota – What you need to know about homeowners insurance
Whether you own or rent, if you suffer a loss due to fire, theft, vandalism, having the right homeowner’s insurance for the place you call home can help protect you financially. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners policies differ mainly by which losses are covered, the coverages you choose, and they type of residence that you own. You have the ability to choose the policy that is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
RJ Bailey Insurance Center is here to help you find the right homeowners insurance
Whether you’re a home or condo owner, a renter, or a landlord, RJ Bailey Insurance Center will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on a few of the options that you pick:
- What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
- How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
- Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
If you worried that your insurance policy does not cover you you may want to consider an umbrella insurance policy that extends your coverage.
The Right Homeowners Insurance Coverage. The Right Price & The Right Value.
The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses-commonly for up to 24 months-while damage is assessed and your home is repaired or rebuilt.
Protection for Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.
Fargo – Protect the Things that Matter to You with the right Homeowners Insurance
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.