Homeowners insurance protects against damage to your home and belongings (furniture, appliances, clothing, jewelry) from hazards such as:

• Fire and smoke

• Windstorm or hail

• Theft

• Falling objects (trees, power lines)

• Frozen plumbing

• Water damage caused by plumbing, water heater, appliances, and heating and cooling systems

• Vandalism

Your homeowners policy may also protect you against claims you are liable for someone else injuries or property damage—such as if your dog bites a guest at your home—and may cover you for claims that occur away from your home, such as if your dog bites someone at the dog park.

Some homeowners policies may provide other structures coverage to repair or replace structures on your property that are not attached to your house—such as a garage, shed, or fence.

Your homeowners policy may provide loss of use coverage and pay your additional living expenses (rent, food) if you have to move out of your house while it is being repaired, for example.

You may need a special provision in your homeowners policy (an endorsement) to insure against the loss of expensive jewelry such as engagement and wedding rings, watches, diamond bracelets, etc.

In North Dakota, homeowners insurance is designed to provide financial protection for your home and personal belongings against a variety of hazards. Coverage typically includes damage from fire, smoke, windstorms, hail, theft, falling objects like trees or power lines, frozen plumbing, and water damage from internal sources. Liability coverage is also a standard part of most policies, protecting homeowners in case someone is injured on their property or if the homeowner's pet causes injury or property damage, even away from home. Additionally, homeowners insurance policies in North Dakota often cover other structures on the property that are not attached to the house, such as garages, sheds, or fences. Loss of use coverage is also common, which helps with additional living expenses if the home is uninhabitable due to covered damages. For high-value items like expensive jewelry, a special endorsement may be required to ensure adequate coverage. It's important to review your policy and consult with an attorney or insurance agent to understand the specific protections provided and any additional endorsements that may be necessary for complete coverage.