Life Insurance

Health Insurance

Auto Insurance

Business Insurance

Renters Insurance

Homeowners Insurance

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North Dakota Life Insurance

How much life insurance should I own?

It differs from person to person. You should take the following into account when making a decision:

• Marital Status - You should consider your spouse's earning capacity.
• Financial Dependents - How many people are financially dependent upon you.
• Death Benefits - The amount of death benefits payable from Social Security and life insurance plans sponsored by an employer.
• Special Needs - Any special life insurance needs such as estate planning, education funds, and mortgage repayments.

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North Dakota Health Insurance

What is a PPO plan?

A PPO (Preferred Provider Organization) plan is a health plan where favored service providers, such as doctors and hospitals, have a contract with an insurance company or a health plan to offer service for their policyholders. Generally, the preferred service provider agreed to accept an insurance company's usual payment. If you have a PPO contract, and do not use the preferred service providers, you will likely pay more for services rendered by the physician or hospital.

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North Dakota Auto Insurance

Can I drive legally without insurance?

No, almost every state requires that you have auto insurance. All states also have financial responsibility laws meaning that if you do not have insurance, you need to have sufficient assets to pay claims if involved in an accident. If you don’t have enough assets, you are required to purchase the state minimum amount of insurance. Car insurance is a necessity.

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North Dakota Business Insurance

What does a Business Insurance Policy usually cover?

Business insurance policies generally offer protection from all major property and liability risks involved. For Instance, the Business Owners Policy includes property insurance for buildings, business interruption insurance which covers loss of assets due to events that disrupts business, and liability protection covering damages the company may inflict upon others.

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North Dakota Renters Insurance

Are there any coverage limits for Renter's Insurance?

Yes, there are often coverage limits for personal items such as computers, other electronic equipment, jewelry, and even clothing. Sometimes, you may be able to attain additional coverage for certain items, but the amount of coverage varies according to the insurer.

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North Dakota Homeowners Insurance

Am I required to get Homeowners Insurance for my home?

No, you are not required by law to get Homeowners Insurance to cover your home. However, depending upon where you live, lenders may require that you have homeowners insurance before offering you a loan. For instance, in areas prone to flooding, hurricanes, earthquakes, and other natural disasters, insurance is required by banks and lenders before making a loan. You never know when disaster may strike and leave your home damaged or even destroyed. For this reason, it is not a good idea to be without homeowners insurance.

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