Personal Insurance in Bismarck, ND
For further information about our personal insurance policies, call
Gateway Insurance Agency in
Bismarck, North Dakota, at
701-223-5812.
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 or hit an animal. Auto insurance provides protection in case of an accident, 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. Plus, you get a discount when signing up for the company's personalized driver habits program.
High-Risk Auto Insurance
This is for the DUIs, reckless driving if you would happen to have too many speeding tickets, claims, or the many various other violations. We have many different companies that we can choose from, and we have one that is right for you. We have immediate SR 22 available.
Homeowners
We have many types of protection for your dwelling to cover losses from incidents like fire, storms, and vandalism. 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.
Homeowner Optional Endorsements
- Additional coverage of 25% for the insured house (depending on the company)
- Underground Service Line Coverage
- Identity Theft
- Inflation Guard
- Personal Injury
- Equipment Breakdown
Renters 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 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.
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)
Mobile Homes
There are very 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 similar to a homeowner policies.
Standard Coverage
Are you having a hard time getting insurance on an unusual house or risk? We have companies that write this type of hard-to-place business.
Personal Umbrella
This type of policy extends your liability coverage by adding a layer of protection over your basic limits you have on your vehicle and property/home policies.
- Vehicles and motorcycles (personal & recreational)
- Primary residences
- Seasonal homes
- Most types of watercraft
- Family rental dwellings
- Farms & Ranches
- Condos
- Vehicles and motorcycles (personal & recreational)
- Primary residences
- Seasonal homes
- Most types of watercraft
- Family rental dwellings
- Farms & 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. As typical homeowners insurance does not cover this hazard, a separate policy must be purchased.
Classic Car Insurance
Classic car insurance is a special type of 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.
There are several services and features that 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 won't decrease 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) would need to be manually adjusted on the policy.
Other Benefits Of Classic Car Insurance
Further specialized coverages include (common options on a Classic Auto Insurance Policy, but its dependent 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
Classic car insurance is also available for antique, exotic, custom or historic cars, and 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 but the most common collectible auto categories are below.
- Classic car insurance: Defined by many companies as being 19 to 24 years old, restored, in good working condition and greater 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 greater than 10 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 original 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.
For further information about our personal insurance policies, call
701-223-5812.