Personal Insurance For You and Your Family
For further information about our personal insurance policies, call or text Bowerman Insurance Agency in Steele, North Dakota, at 701-475-2340.
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 and have an accident. Auto insurance provides protection in case of an accident, vandalism, theft, animals, natural disasters, liability, and medical coverage. Companies also offer additional discounts for multi vehicles, multi policy, defensive drivers, good student, to name a few.
High Risk Auto Insurance
High-risk auto insurance coverage (also called nonstandard auto insurance) is designed for individuals considered by insurance companies to be at a higher risk for filing an insurance claim due to factors such as a poor driving record and/or driving a high risk vehicle.
We have companies that can have SR22s available the next day.
Homeowners
We have several companies that offer protection for your dwelling to cover losses from incidents like fire, wind/hail, and vandalism. It also protects your possessions and provides liability and medical payment coverage if someone is injured on your property, plus many other coverages available. You may also be eligible for a multi-policy discount when your home and auto are written with the same company.
Homeowner Optional Endorsements
- Additional Coverage up to 25% or more of coverage on the dwelling (depending on company)
- Underground Service Line Coverage
- Identity Theft
- Inflation Guard
- Personal Injury
- Equipment Breakdown
- Water Back Up Coverage
- Cosmetic Damage Discount
Renters Insurance
Renters insurance is a form of homeowner's insurance. Renter's coverage can cover your belongings 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 type tools and left them in the school shop room and they were stolen, there would be no coverage if the student didn't have a renter's policy and have them insured.
Mobile Homes
There are many unique aspects of mobile home living, and we can offer you a dependable insurance policy that is right for you. Your mobile home is your home, and you want it protected. A Mobile Home policy is similar to a homeowner policy.
Condo
With a condominium, you can enjoy the convenience of apartment living along with the tax benefits of owning a home. Though your Association may provide protection for property in areas of the building that you share with neighbors, you are responsible for your personal belongings and part of the interior structure. We can offer the right protection for you. (Our Agency should review your condo association contract to be sure we have the correct coverage for you)
Personal Liability
Personal liability coverage is provided by the homeowners policy and other personal lines that protect you against the financial consequences of liability to others for bodily injury (BI) and property damage (PD).
Personal Umbrella
Coverage protection for your savings and other assets. Umbrella insurance is a separate liability insurance policy that provides an extra layer of liability coverage beyond the limits on your existing policies, such as your auto or homeowner’s insurance policies. It’s for expensive situations where medical bills and/or repairs exceed the limits on your existing auto, homeowners or watercraft insurance policies.
Flood Insurance
Flood insurance is a type of property insurance that offers protection and covers a dwelling against losses caused by flooding or water. Flood insurance pays to repair the flood damage and is a separate policy from the homeowner’s insurance policy, which doesn’t cover flood damage.
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.
Classic Car Insurance
Classic car insurance protects your collectible vehicle through a specialized insurance policy. Antique cars often maintain or increase in value, so classic car insurance typically covers up to an agreed value. A car is often considered classic when it's at least 10 years old and has historical interest, but classic car insurance companies have their own rules for accepting vehicles into their program. For instance, you may be subject to qualifiers like age, driving experience and record, and access to another vehicle.
Classic car insurance is similar to a regular auto policy, with the benefit of having coverage for your vehicle's agreed value and its specifications such as usage, storage, and more.
Classic car insurance coverage is for property damage and bodily injury when you take your classic car to auto shows, tours, and collector vehicle functions, and for occasional pleasure driving.
Benefits of Classic Car Insurance
Further specialized coverages include (common options on a Classic Auto Insurance Policy, but its depends on the company and may not be offered at all):
- Increased replacement cost: If your car increases in value beyond its agreed value, this coverage will pay for the difference.
- Roadside assistance: Including towing only with a flatbed tow truck to prevent wear and tear while transporting to a repair shop or back home.
- Auto Show medical reimbursement: In case someone sustains an injury at an exhibit or event featuring your car.
- No attendance required: Provides coverage while you are away from your vehicle as it is being 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 opt to take a cash payment without the requirement that you 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 and uninsured motorist coverage, as well as comprehensive and collision coverage.
Collectible Car Types
Different to other collectables and antique items, a collectable car is not defined by its age. Rather collectable cars can be cars with historical importance, cars that pioneered new technology or raised the standard of consumer expectation.
When looking at the car collections, the fall into four predominant categories:
- Exotic:
- Antique:
- Muscle Car:
- Classic Cars:
- Age:
- Rarity:
- Design:
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.
Special Events
Special Event Insurance is a short-term policy that offers coverage for events in a short time period. It is designed to protect event organizers from financial loss due to unplanned incidents occurring at the event.
Special event coverages are designed to help protect individuals and businesses from costs resulting from property damage, injuries, spectators, products and completed services, and other event-related hazards occurring at the event.
Insurance protection for your special day, such a wedding, graduation, reunion, concert, fundraising events, etc.
Personal lines insurance can help protect your property from damage and injury protection with liability insurance.
Call or stop in today to protect you and your family’s financial interests!