North Dakota homeowners insurance

Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.

Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.

Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."

Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.

Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

Flood: Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.

Umbrella: An umbrella policy may help protect your assets if you exceed the personal liability coverage on your homeowners policy.

Sump pump: Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as on optional coverage, if available, may help in the event of sewage back-up or sump pump overflow due to heavy storms.