Home Insurance North Dakota

Homeowners Insurance

Your home is one of your largest investments. Protect it with a Farmers Union Homeowners Insurance Policy.

Our Homeowners Insurance Policy Features:

  • Replacement cost coverage on your house
  • Replacement cost coverage for other structures on your property
  • Replacement cost coverage on your personal belongings, covered anywhere in the world
  • Replacement cost available on most roofing types and systems
  • Additional living expense coverage if your home is damaged by a covered loss
  • Personal liability coverage with limits available up to $1 million
  • Medical payments to others coverage
  • Property damage to others coverage

Optional Homeowners Property Coverages:

  • Sewer backup & sump pump overflow coverage
  • Increased special limits on certain types of personal property
  • Refrigerated property coverage
  • Scheduled Property Floater

Optional Homeowners Liability Coverages:

  • Personal injury (libel/slander)
  • Protection for an additional residence (owner-occupied or rented to others)
  • Business pursuits for certain types of business
  • Home day care coverage
  • Recreational vehicle coverage

Additional Coverages included with your policy:

  • Debris Removal
  • Equipment breakdown
  • $5,000 in fungi remediation coverage
  • Fire department service charge
  • Service lines protection
  • Identity theft protection
  • Ordinance or law coverage
  • Loss assessment
  • Claim expenses
  • First aid expenses
  • $500 damage for property damage of others

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.


****All coverage is subject to policy terms and conditions, see you policy for details****