Personal Insurance-Protect What Matters Most

Complete Coverage for Life's Unpredictable Moments

From icy winter roads to summer storms and the realities of North Dakota living, life here brings unique challenges to your family, home, and car. Worrying about gaps or overlaps in your protection shouldn't be one of them-our team reviews your current policy so you feel confident, not confused. Gateway Insurance is your one-stop source for personal insurance, bundling all your policies for convenience, savings, and peace of mind. With access to top carriers and years of experience, we'll do our very best to ensure your life’s risk are covered-no surprises.

Personal Insurance Includes

Black SUV driving on a snow-covered road on a sunny day.
Auto Insurance

Everyday driving in North Dakota requires dependable protection-whether for your family car, multi-vehicle household, or high-risk SR-22 needs. We compare rates, handle claims, and help you qualify for discounts.

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High-Risk & SR-22 Auto Insurance

Need to get back on the road after a violation? We specialize in SR-22 filings and high-risk drivers, making the process simple and fast.

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Homeowners Insurance

Protect your house and everything in it from fire, hail, theft, and more. We ensure your policy reflects the true cost to rebuild, not just market value.

Couple smiling, sitting on floor by window, holding mugs. Bright, modern room with city view.
Renters & Condo Insurance

Coverage for tenants and condo owners-protect your belongings and guard against liability, all for a surprisingly affordable rate.

Mobile homes on a hillside. Beige siding, green grass, blue rooftops. Sunny day.
Mobile Home Insurance

Specialized coverage for manufactured homes and unique property risks.

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Umbrella Insurance

Extra liability protection above and beyond your home and auto policies-especially valuable if you have assets, entertain, or have teen drivers.

Child in black rain boots, splashing in a puddle.
Flood Insurance

Standard home insurance won't cover flooding-get separate protection for peace of mind in all weather.

Woman in a red classic car looking out at a coastal view; sunlight.
Classic & Collector Car Insurance

Agreed value coverage designed for prized, collectible, or antique vehicles-protect your investment with a specialty policy.

Newly married couple celebrates amidst falling petals, cheered by guests.
Special Event Insurance

One-time coverage for weddings, parties, and major gatherings-enjoy your big moments without worry.

What to Expect When You Work With Us

From your first call to ongoing support, you get personal service at every step.

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We'll review your current coverage, explain your options, and answer your questions in plain language.

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Our agents compare rates with top carriers, looking for ways to bundle and save.

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If your life changes, let us know! If you have a new driver, a move, or a new toy-we'll update your coverage and make sure nothing falls through the cracks.

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Need to file a claim? We'll help you every step of the way.

Your Personal Insurance Questions, Answered

  • Can I bundle home and auto insurance for a discount?

    Yes, most carriers offer significant savings when you bundle multiple policies. We'll show you how to maximize discounts and simplify your insurance.

  • What personal insurance options does Gateway offer?

    We handle auto, home, renters, condo, mobile home, umbrella, flood, SR-22, classic car, special event, motorcycle, and more. Our agents will guide you to the right coverage for your needs.

  • What if I have a unique situation-like a high-value home or teen driver?

    We can customize your policy, from luxury homes to first cars for new drivers. No scenario is too complicated.

  • Will I have just one agent for all my policies?

    Yes you can! You can have one point of contact for everything if you like.

  • How do I know if I'm fully covered or have gaps?

    We offer complimentary personal insurance reviews and will recommend adjustments if we spot risks, missing coverage, or better rates.

Simplify Your Life-Bundle Your Protection With Gateway

Stop worrying about insurance gaps, multiple bills, or missing discounts. Our local team will look at your life’s risk and discuss these with you. Request a personal review, read more about each option, or reach out for a fast, friendly quote.