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Homeowners Insurance HO-2, HO-3, H0-5

Homeowners insurance is designed to protect your home, personal belongings, and liability against various risks and unforeseen events. It acts as a safety net, helping you recover and rebuild in case of damage or loss due to covered perils.

Features

  1. Dwelling Coverage: Can assist in the cost of repair or rebuilding in the event of loss caused by covered perils such as fire, lightning, windstorms, and more.
  2. Personal Property Coverage: Your personal belongings include items like furniture, electronics, clothing, and appliances, and more.
  3. Liability Coverage: Accidents happen and the liability coverage provided by your homeowners policy can provide coverage in case someone is injured on your property or if you accidentally cause damage to someone else’s property.
  4. Loss of Use/Additional Living Expenses (ALE): If your home becomes uninhabitable due to a loss caused by a covered peril, Loss of Use/ALE coverage can help pay the additional costs for temporary housing, food, and other essential living expenses.
  5. Medical Payments to Others: This coverage helps with medical expenses if a guest is injured on your property, regardless of fault. It can prevent the need for a lawsuit in minor incidents.

Renters Insurance

Renters insurance is designed to protect the personal belongings, liability, and the additional living expenses of individuals who rent their homes. While the landlord’s insurance covers the physical structure of the building you live in, renters insurance covers the tenant’s belongings and provides liability coverage.

Features

  1. Personal Property Coverage: Your personal belongings include items like furniture, electronics, clothing, and appliances. And more.
  2. Liability Coverage: Accidents happen and the liability coverage provided by your homeowners policy can provide coverage in case someone is injured on your property or if you accidentally cause damage to someone else’s property.
  3. Loss of Use/Additional Living Expenses (ALE): If your home becomes uninhabitable due to a loss caused by a covered peril, Loss of Use/ALE coverage can help pay the additional costs for temporary housing, food, and other essential living expenses.
  4. Medical Payments to Others: This coverage helps with medical expenses if a guest is injured on your property, regardless of fault. It can prevent the need for a lawsuit in minor incidents.

Condo

Condo insurance, often referred to as condominium insurance or HO-6 insurance, tailored specifically for condominium unit owners. It covers personal property, interior structures, and liability within your condo unit, filling the gaps left by the condo association’s master policy.

Features

  1. Dwelling Coverage: Condo insurance covers the structural elements within your condo unit, such as the interior walls, flooring, fixtures, and appliances. This coverage ensures that any damage to these elements is protected, which may not be covered by the condo association’s master policy.
  2. Personal Property Coverage: Your personal belongings, including furniture, electronics, clothing, and more. It offers protection in the event of damage, theft, or loss due to covered perils.
  3. Loss Assessment Coverage: If the condominium association imposes a special assessment to cover shared property losses or repairs.
  4. Liability Coverage: Liability coverage protects you in case you are responsible for injuries or damage to someone else’s property within your unit. It covers legal fees, medical expenses, and settlement costs if you’re found liable.
  5. Loss of Use/Additional Living Expenses (ALE): If your condo becomes uninhabitable due to a covered peril, Loss of use/ALE coverage can help pay the additional costs for temporary housing, food, and other essential living expenses until your unit is habitable again.
  6. Loss Assessment Coverage: If the condominium association imposes a special assessment to cover shared property losses or repairs, this coverage helps pay your share of the assessment.
  7. Liability Coverage: Liability coverage protects you in case you are responsible for injuries or damage to someone else’s property within your unit. It covers legal fees, medical expenses, and settlement costs if you’re found liable.

Contact Us Today

Locations

Corporate Office

Farmers Union Service Association, LTD,
1415 12th Ave SE
PO Box 2020
Jamestown, ND 58402

National Sales OFfice

Farmers Union Insurance
3801 Memorial Hwy Ste. C.
Mandan, ND 58554

Insural Insurance Office

4600 Kietzke Lane A-107
Reno, NV 89502

Contact Us

Farmers Union Insurance

1-800-366-8331

Satellite Office

701-952-1199

Email

info@insural.com

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