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Best Homeowners Insurance Agencies in Fargo

2023

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Website
428 25th Street South, Fargo, ND 58103
  • Condos
  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Why choose this provider?

Fargo Moorhead Insurance is an independent insurance agency located in Fargo that has been providing a variety of personal and business insurance products since 1972. Its agents are available to assist individuals and families in their homeowners' insurance needs. This agency educates clients on what can qualify under a homeowners' policy, such as rental properties, mobile homes, townhomes, and vacant homes. Fargo Moorhead Insurance also gives coverage options for auto, business, life and health, and farm insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (49)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1291 13th Avenue East, West Fargo, ND 58078
  • Multiple Policy Types

Why choose this provider?

Ihry Insurance Agency offers insurance solutions to clients in the Fargo metro. As an independent insurance agency, it offers financial protection plans from an array of carriers to address personal, business, and agricultural insurance needs. The clients' budget and risks faced are always priority factors. It provides homeowners' insurance packages that protect properties from unexpected disasters, casting a financial safety net that takes care of the repair and replacement of damages. These policies also cover losses from theft and burglary.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.7 / 5 (16)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1002 28th Street South, Fargo, ND 58103
  • Multiple Policy Types

Why choose this provider?

Superior Insurance Agency is a Fargo-based company serving homeowners in the metro. Its professional agents coordinate and discuss policy options with each client, helping them decide which plan suits their budget and lifestyle. They can help design insurance policies to protect condominiums, mobile homes, and in-home businesses. This independent insurance agency can also help individuals and families purchase supplemental coverage for events like floods or earthquakes. It also carries insurance products for farms, recreational vehicles, and special events.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (30)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1704 Main Avenue, Fargo, ND 58103
  • Multiple Policy Types

Why choose this provider?

Yahnke Insurance Agency is an independent company that offers homeowners' insurance coverage to clients in Fargo. Its policies cover common perils such as fire and theft that have affected property and select personal belongings like jewelry and electronics, detached structures, additional living expenses, liability, and medical expenses for injured parties. Yahnke also counsels clients on supplemental options for their policy, including umbrella, jewelry, flood, and earthquake coverage. Other lines of property insurance it offers include rental dwellings and secondary residences.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
600 8th Street South, Moorhead, MN 56560
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Amanda Nelson is a State Farm insurance agent near Fargo who, with her team of professionals, has been advising and supporting clients in the surrounding communities since 2008. They frequently help those in need of home insurance, explaining what the policies cover and what they don't and tailoring policies to provide the coverage the client needs. This could include coverage from liability claims and repair costs to expensive personal items, such as art.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (80)
Facebook
5.0 / 5 (12)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3523 45th Street South, Fargo, ND 58104
  • Renter's Insurance
  • Multiple Policy Types
  • Fire

Why choose this provider?

Fargo Insurance Agency is an independent insurance agency serving the Fargo community and its surrounding areas. It offers property owners a way to protect their largest financial investment through homeowners' insurance, covering the property itself, the structures, and any personal belongings inside. The homeowners themselves can also be protected from personal liabilities. Besides homeowners' insurance, Fargo Insurance Agency also provides condo, mobile home, auto, motorcycle, boat, and business insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3220 4th Street East, West Fargo, ND 58078
  • Renter's Insurance
  • Condos

Why choose this provider?

Great North Insurance is an independent agency near Fargo that's licensed to operate in 26 states. Its agents' services typically involve discussing needs, budgets, and expectations with clients looking for home insurance and finding a choice of policies that best match those offered by its partners. The agents also talk clients through each policy so they are fully aware of what's covered and what isn't. Additionally, they can discuss supplementary policies that cover other unexpected costs, such as liability claims.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.7 / 5 (69)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3441 45th Street South, Fargo, ND 58104
  • Multiple Policy Types

Why choose this provider?

Heritage Insurance Services is a family-owned insurance agency operating in the Fargo metro. The company offers insurance plans that cover personal, business, and farm needs. It provides clients with comprehensive homeowners insurance packages that protect homes, belongings, and other home structures from natural disasters like fire, lightning, and volcanic activity, as well as damages and losses (burglaries and theft). It also offers extended coverage for specific disasters, such as earthquakes, and other intentional acts of damage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (22)
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4201 38th St S 205, Fargo, ND 58104
  • Flood
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Grand Slam Insurance Agency, Inc., is an independent insurance agency in Fargo that provides a wide range of insurance products like homeowners' insurance. The agency assists its clients in looking for the most suitable home insurance for their dwelling and family. Its specialists also create tailored packages for its clients to cover all their risks and needs. Moreover, they compare the rates of various insurance policies from different providers to find the one that is within their clients' budget.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (18)
Facebook
4.3 / 5 (6)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3611 Lincoln Street South, Fargo, ND 58104
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Why choose this provider?

Rj Bailey Insurance Center is an independent agency with years of experience serving clients in Fargo and the surrounding communities. Its agents have helped many clients protect themselves from the costs of home disasters with policies that provide coverage from an array of misfortunes, such as storm damage and burst pipes. Rj Bailey Insurance Center can search for policies from more than a dozen of the country's biggest insurers, including Travelers and Safeco.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (17)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
158 W Beaton Drive, West Fargo, ND 58078
  • Renter's Insurance

Why choose this provider?

Established in 1985, TCI Insurance is an independent insurance agency serving the insurance needs of clients in the Fargo and West Fargo areas. This full-service insurance agency offers a broad range of personal, business, and agriculture insurance policies, including homeowners' insurance. The insurance agents of TCI Insurance work with its clients in creating a homeowners' insurance policy customized to meet their needs. It focuses on helping individuals protect their homes and personal belongings.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

  • What are the factors that determine the cost of homeowners’ insurance in Fargo?

    The cost of homeowners’ insurance in Fargo is influenced by a variety of factors, including the coverage chosen by the owners of residential property. Another factor that affects insurance costs is the deductible. Higher deductibles usually lower the premium price. A homeowner may also choose to set higher limits than the recommended amount, which can result in higher premiums.

  • What are the other coverages that Fargo residents may want to consider in addition to their basic homeowners’ insurance policies?

    In addition to basic homeowners' insurance policies, Fargo residents may want to consider several other coverages, such as flood, jewelry, and a personal umbrella. Flood coverage is important because Fargo is located in an area prone to flooding, especially during the spring thaw. Jewelry coverage addresses coverage limits in standard policies for valuable possessions.

  • What are attractive nuisances, and could they potentially lead to an increase in homeowners' insurance rates in Fargo?

    Attractive nuisances refer to potentially dangerous features or conditions on a Fargo property that could attract children or individuals who are unable to recognize the risks associated with them. These attractive nuisances could include things like swimming pools, trampolines, and treehouses. It is possible that the presence of attractive nuisances could lead to higher insurance premiums as they might be seen as a higher risk for accidents and injuries, which could result in higher liability claims.

  • What types of properties are covered by homeowners’ insurance policies in Fargo?

    Possible options in homeowners' insurance policies in Fargo encompass various property types such as condominiums, townhomes, and mobile homes. Additionally, the range extends to cover rental homes, homes currently under construction, and valuable items like jewelry or artwork. These coverage options protect anything that is an asset or part of a family’s well-being.

  • What is the difference between homeowners’ insurance and townhouse or condominium insurance in Fargo?

    Homeowners' insurance is designed for single-family homes and typically covers the entire structure of the house and any other structures on the Fargo property. On the other hand, insuring a condominium involves the condo association buying insurance for the building and common areas. Coverage gaps can be avoided by understanding the role of homeowners or condominium associations and their insurance coverage.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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