Hektner-Lybeck-Erickson Insurance
3345 39 St S, Ste 1, Fargo, ND 58104
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3345 39 St S, Ste 1, Fargo, ND 58104
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4024 53rd Ave S, Ste 200, Fargo, ND 58104
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827 28th Street S, Suite C2, Fargo, ND 58103
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101 10th St N, # 140, Fargo, ND 58102
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818 Main Avenue, Suite 1, Fargo, ND 58103
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3611 Lincoln St S, Ste C, Fargo, ND 58104
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Rooted in Fargo, ND (no specific street address listed; offices in Fargo and Bismarck, ND), Fargo, ND 58103
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Learn about insurance coverage options specific to Fargo residents.
Fargo homeowners insurance averages $1,800-$2,100/year. Learn about flood insurance needs near Red River, ice dam coverage, and bundling discounts.
Home InsuranceFargo home insurance costs $1,800-3,000/year. Learn about Red River flood insurance requirements, ice dam coverage, and winter weather protection.
Car InsuranceFargo auto insurance averages $1,210/year. Learn North Dakota's no-fault requirements, why comprehensive coverage is essential, and how to save on rates.
Car InsuranceFargo car insurance averages $1,210/year—11% below national rates. Learn why rates are low despite harsh winters and how to save up to 40% more.
General Insurance EducationComplete Fargo insurance guide: North Dakota's no-fault auto requirements, Red River flood protection, winter coverage needs, and competitive rates.
Business InsuranceFargo businesses get North Dakota's lowest workers' comp rates at $0.96 per $100. Learn about flood coverage, winter storm protection & tech sector needs.
Homeowners insurance in Fargo typically costs between $1,800 and $2,100 per year for standard coverage, which is significantly below the national average. The exact cost depends on your home's value, coverage limits, deductible, and chosen insurer. Providers like Progressive average around $1,554 annually, while other insurers range up to $2,100 for comparable policies.
Yes, if you're near the Red River or in low-lying areas, flood insurance is critical. FEMA's flood maps drastically underestimate Fargo's flood risk—updated data shows 11,000 buildings could be affected by a 100-year flood, not the 1,800 shown on outdated maps. Standard homeowners policies don't cover flooding, so you need a separate NFIP policy that costs around $500-$700 annually.
Yes, most standard homeowners policies cover ice dam damage to your roof, walls, and interior under dwelling coverage. However, damage from lack of maintenance or pre-existing conditions may be excluded. To prevent claims and potentially lower your premiums, maintain proper attic ventilation, clear snow from your roof regularly, and ensure adequate insulation to prevent uneven melting.
Bundling your home and auto insurance with the same carrier typically saves 15-25% on your premiums in Fargo. For a homeowner paying $2,000 annually, that translates to $300-$500 in savings each year. North Dakota insurers like Nodak Insurance, Progressive, and others actively promote multi-line discounts, making bundling one of the easiest ways to reduce your insurance costs.
Installing a monitored security system, updating electrical and plumbing systems, adding a sump pump with battery backup, and improving roof ventilation can all qualify you for discounts. Storm-resistant roofing materials and impact-resistant windows may also reduce premiums. These improvements not only lower your rates but also prevent costly damage from Fargo's harsh winters and severe weather.
Flood insurance policies have a mandatory 30-day waiting period before coverage begins. This means you cannot buy flood insurance when flood warnings are issued and expect immediate protection. If you live in a flood-prone area near the Red River, purchase coverage well before spring flood season to ensure you're protected when you need it most.
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