Homeowners Insurance

Protection for Your Biggest Investment

Coverage Built for Homeowners

From summer hailstorms pounding your roof to winter freezes that can burst pipes, homeowners can face extreme weather year-round. Gateway Insurance can help you protect your house, belongings, and future from disasters like fire, wind/hail, theft, and more-so you can rebuild and recover when the unexpected strikes.

Understanding Your Home Policy-What's Protected

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Dwelling Coverage

Coverage to rebuild or repair the structure of your home after damage, if set at replacement cost, not just market value.

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Other Structures

Covers detached garages, sheds, fences, and similar buildings on your property.

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Personal Property

Furniture, clothing, electronics, and appliances-usually covered at replacement cost; scheduled coverage available for valuables.

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Liability

If someone is injured on your property, or if you accidentally cause damage (like a fire that spreads to a neighbor), this protects you from lawsuits and medical bills

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Additional Living Expenses

Coverage for extra expense/costs, for examples: a place to live, hotel, rent, meals, and other extra costs if you can't live in your home during repairs (e.g. after a kitchen fire).

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Beyond the Basics

Customize for your Life

Many homeowners add extra protection for common local risks:

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Identity Theft Restoration

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Extended/Guaranteed Replacement Cost (covers rebuilding cost overruns if a disaster impacts many homes at once)

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Flood Insurance (offered separately; ask us if your area is at risk)

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Scheduled Personal Property (high-value jewelry, art, collectibles)

We'll walk you through all of the options with you and help you determine the best fit that can fill any gaps for total peace of mind.

How Coverage Makes a Difference

Homes can suffer hail damage to roofs, but with the proper homeowners insurance, repairs totaling  thousands of dollars that could cause financial stress, could be lessened! Let us help you prepare for events like this!


How to Save on Home Insurance

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Multi-policy (bundle with auto or other policies)

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Credits for new roof, alarm system, or loss-free history

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Flexible deductibles to match your budget

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Annual reviews to adjust coverage as your home or life changes

We can help you receive all the discounts you qualify for-so you don't pay more than you have to.

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Homeowners Insurance-Questions Answered

  • What does home insurance cover?

    Your policy covers the home structure, personal belongings, liability, and extra living costs during repairs. We can explain the details and help you with any extras you might need. 

  • How much is homeowners insurance on average?

    Rates vary by location, home value, and coverage-but bundling with auto and adding discounts can make coverage very affordable. Get a personalized quote for your situation.

  • Can Gateway insure homes outside Bismarck?

    Yes-we serve all of  North Dakota (plus several states other than ND), from city homes to farmhouses and manufactured homes (ask us about specialty options).

  • Can I add coverage for things like a sump pump, jewelry, or special items??

    Yes-endorsements are available for many special items or risks. We can recommend several options for you.

Ready for Real Peace of Mind? Get a Home Insurance Check-Up

Your home is likely your biggest investment. Gateway's local agents can help tailor a policy that fits your property and your budget-whether you own a house in town or a farmhouse out in the country. Request a coverage review or quote, and let's make sure you're prepared for whatever comes next.