Agri Insurance, Inc
110 S Central Ave, Suite A, Beach, ND 58621
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110 S Central Ave, Suite A, Beach, ND 58621
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110 S Central Ave, Beach, ND 58621
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110 Central Avenue South, Suite C, Beach, ND 58621
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Learn about insurance coverage options specific to Beach residents.
Beach, ND homeowners pay $2,256/year for insurance—35% below average. Learn about winter coverage, frozen pipes, and savings on home insurance in Golden Valley County.
General Insurance EducationComplete insurance guide for Beach, North Dakota residents. Learn about auto requirements, homeowners coverage for Badlands weather, and protection near Theodore Roosevelt Park.
Beach homeowners typically pay around $2,256 annually for home insurance, which is 35% below the national average. Your actual rate depends on your home's value, coverage limits, deductible, and discounts you qualify for, but Beach's low property values and North Dakota's favorable insurance market keep costs relatively affordable.
Most standard policies do cover frozen pipe damage, but with important conditions. You typically must maintain minimum indoor temperatures if you're away during winter, and you're expected to take reasonable precautions like insulating pipes. If the damage results from negligence or lack of maintenance, your claim may be denied.
It depends on your location. Standard homeowners policies exclude flood damage entirely. If you're in a low-lying area or near waterways where spring snowmelt could cause flooding, separate flood insurance through the National Flood Insurance Program is worth considering at $400-700 annually for moderate coverage.
Bundle your home and auto insurance for 15-25% savings, increase your deductible to $1,000 or higher, install security systems and safety devices, and maintain good credit. Shopping around every few years also helps since rates vary significantly between insurers for identical coverage.
Actual cash value pays what your damaged items are worth today after depreciation, while replacement cost pays to buy new equivalents. For example, if your five-year-old couch is destroyed, actual cash value might pay $300 while replacement cost pays $1,200 for a new comparable couch. Replacement cost costs more but provides better protection.
Your dwelling coverage should equal the full cost to rebuild your home at current construction prices, not your home's market value or purchase price. With construction costs elevated across western North Dakota, this typically means getting a professional replacement cost estimate and reviewing it annually as costs change.
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