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Best Homeowners Insurance Agencies in Fargo

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Amanda Nelson - State Farm Insurance Agent logo
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Amanda Nelson - State Farm Insurance Agent

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

Business Description

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
Facebook
5.0 / 5 (12)

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
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Fargo Insurance Agency logo
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Fargo Insurance Agency

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

Business Description

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
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Detail
Fargo Moorhead Insurance logo
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Fargo Moorhead Insurance

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

Business Description

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
Grand Slam Insurance Agency Inc logo
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Grand Slam Insurance Agency Inc

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

Business Description

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.
4.6
Google
4.8 / 5 (18)
Facebook
4.3 / 5 (6)

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
greatnorthinsuranceservices.com logo
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greatnorthinsuranceservices.com

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

Business Description

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.
4.8
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
Heritage Insurance Services logo
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Heritage Insurance Services

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

Business Description

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.
4.7
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
Ihry Insurance logo
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Ihry Insurance

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

Business Description

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)

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
Rj Bailey Insurance Center logo
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Rj Bailey Insurance Center

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

Business Description

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.
5.0
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
Superior Insurance Agency logo
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Superior Insurance Agency

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

Business Description

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)

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
TCI Insurance logo
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TCI Insurance

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

Business Description

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
Yahnke Insurance Agency logo
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Yahnke Insurance Agency

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

Business Description

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.
4.8
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
Back to Providers

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 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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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