TEXT LOGO
Personal Insurance Coverage in Steele, ND
Bowerman Insurance Agency in Steele, ND, offers you and your family personal insurance coverage. Call (701) 475-2340 for a quote.
Auto Insurance
It is comforting to know you're protected with reliable auto insurance. It may be a financial burden if you're not covered, have an accident, or hit an animal. Auto insurance protects against accidents, vandalism, theft, animals, natural disasters, liability, and medical coverage. There is a discount when placing your autos and homeowners or farm owners with the same company. You get a discount when signing up for the company's personalized driver habits program.
High-Risk Auto Insurance
High-risk auto insurance is for individuals who have received DUIs, reckless driving, speeding tickets, claims, or other violations. We can choose from many different companies and have one that is right for you. We have an immediate SR-22 available.
Homeowner's Insurance
We have many types of protection for your dwelling to cover fire, storm, and vandalism losses. It also protects your possessions and provides liability coverage, plus many other items. There is also coverage for liability and medical payments if someone were to get hurt on your property. You may also be eligible for a multi-policy discount when your home and auto are written with the same company.
Optional Endorsements for Homeowners
- Additional Coverage of 25% for the Insured House (Depending on the Company)
- Underground Service Line Coverage
- Identity Theft
- Inflation Guard
- Personal Injury
- Equipment Breakdown
Renter's Insurance
Renters insurance is a form of homeowner's insurance. Renter's coverage can cover belongings for anyone and is an inexpensive way to insure these items. Do you have a college student? These students usually have coverage under their parent's homeowner insurance policy, but if a student moves into an apartment, there is no coverage for 30 days. Concerning theft coverage, the student's belongings must be kept in the living quarters, so if a student has (for example) mechanic tools and leaves them in the school shop room. They were stolen, and there would be no coverage if the student didn't have a renter's policy and had them insured.
Mobile Home Insurance
There are many unique aspects of mobile home living, and we can offer you dependable insurance policies that are right for you. Your mobile home is your home, and you want it protected. Mobile home policies can be like a homeowner policy.
Condo Insurance
With a condominium, you can enjoy the convenience of apartment living and the tax benefits of owning a home. Though your Association may protect property in areas of the building you share with neighbors, you are responsible for your personal belongings and part of the interior structure. We can offer you the proper protection.
Standard Coverage
Are you having trouble getting insurance on an unusual house or risk? We have companies that write for this type of hard-to-place business.
Personal Umbrella Insurance
This type of policy extends your liability coverage by adding a layer of protection over the fundamental limits you have on your vehicle, property, and home policies. This includes the following:
- Vehicles and Motorcycles
- Primary Residences
- Seasonal Homes
- Most Types of Watercrafts
- Family Rental Dwellings
- Farms and Ranches
- Condos
Flood Insurance
Flood insurance is a type of property insurance that offers protection and covers a dwelling against losses caused by flooding or water overflow. A separate policy must be purchased as typical homeowners insurance does not cover this hazard.
Classic Car Insurance
Classic car insurance is a particular policy that helps protect antique or classic cars. Definitions of a classic car can vary, but the Insurance Information Institute (III) says a car is considered a classic when it's at least 25 to 30 years old. Classic car insurance provides specialized coverage options like displaying the vehicle at car shows and expert service tailored to the needs of classic car owners, which may not be available from a regular car insurance company.
Several services and features distinguish classic car insurance from an average insurance policy, but the most important one is agreed value coverage, which means the policyholder and the Class Car Company would need to agree on the value of the car based on an appraisal.
In an agreed-value policy, you and your insurer agree on the value of the car you own, and that's how much it's insured for. It is dependent on what the classic car is worth, as determined by an appraiser.
The maximum payout on an agreed value policy will stay the same over time. On the other hand, the value of a classic car might stay the same or even increase over the same period. The coverage (value) must be manually adjusted on the policy.
Other Benefits of Classic Car Insurance
-
Increased Replacement Cost
If your car's value increases beyond its agreed value, this coverage will pay for the difference.
-
Roadside Assistance
This includes towing only with a flatbed tow truck to prevent wear and tear while transporting the vehicle to a repair shop or back home.
-
Auto show Medical Reimbursement
If someone sustains an injury at an exhibit or event featuring your car.
-
No Attendance Required
This service provides coverage while you are away from your vehicle while it is displayed, such as at a car show.
-
Spare Parts Coverage
Covers damage or theft of spare parts like tires, valves, or other gear as part of a covered incident.
-
Cash Settlement Option
If your car is totaled or stolen, you can receive a cash payment without having to use it to repair or replace your vehicle.
Classic car insurance companies will also provide the most common car insurance coverages, such as liability, personal injury protection, uninsured motorist coverage, and comprehensive and collision coverage.
Collectible Car Types
Classic car insurance is also available for antique, exotic, custom, or historic cars. The benefits and drawbacks tend to be similar, though which types of vehicles are eligible for coverage may vary by provider. While most collectible automobile insurance policies are relatively similar, the most common collectible auto categories are listed below.
-
Classic Car Insurance
Defined by many companies as being 19 to 24 years old, restored, in good working condition, and more significant than the average value of other autos of the same make and model year; some insurers consider a car of this description that is only more significant than ten years old to be "classic." The Classic Car Club of America regards classic vehicles to be those manufactured between 1925 and 1948.
-
Antique Car Insurance
Defined by many companies as being at least 25 years old and in good working original or restored condition.
-
Modified Car Insurance
Defined by many companies as being significantly altered in its engine, body, chassis, or interior from its original condition, which can negatively or positively change the value.
Do you need a personal insurance quote? Call our team at (701) 475-2340.
Contact Information
Phone:
(701) 223-5812
Toll-Free:
(866) 286-5812
Address: 4501 Coleman Street Suite 108 Bismarck, ND 58503
Bowerman Insurance Agency:
(701) 475-2340
Toll Free:
(800) 435-0310
Bowerman Insurance Agency: 114 Mitchell Ave South Steele, ND 58482