Homeowners’ Insurance

No matter if you have a mortgage or not, Homeowners’ Insurance is an important part of your financial security plan. Our Starion Insurance agents have the experience and the resources to guide you in choosing the right coverage with a straightforward and jargon-free approach.

What’s included in a policy?

When you look at a homeowner policy, you’ll see a lot of detail, but most policies come down to five pieces:

  • Dwelling

    Covers the dwelling itself, not including land. Generally, there are provisions to account for inflation adjustments.
  • Other structures

    Covers other structure on the property not used for business.
  • Personal property

    Covers personal property, with limits for the theft and loss of particular classes of items.
  • Loss of use/additional living expenses

    Covers additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented.
  • Personal liability

    Covers damages for which the insured is legally liable and provides legal defense at the insurer’s expense. For example, dog bites would fall under this category.

While there might be exclusions for certain events such as floods, you may be able to purchase additional coverage.

What types of policies does Starion offer?

Starion provides policies for homeowners, renters, condominiums and seasonal/rented dwellings. What type of policy and coverage you need will depend on many factors, from the age of your house to the area where you live. Starion Insurance’s agents work with multiple companies to get you the best coverage at the best price.

Insurance products are: * Not a deposit * Not FDIC insured * Not insured by any federal government agency * Not financial institution guaranteed

Starion News

Starion Insurance hosting free seminar

Starion Insurance is hosting a free crop insurance update and marketing seminar on Friday, Mar. 6 from 11:30 a.m. to 3 p.m. in the Guelph School Gym.

Thu. Feb 26 8:02 PM Read more...

Starion Financial’s Staller presents economic survey results

Starion Financial Fargo Market President Dan Staller presented the results of the business conditions survey at the Fargo-Moorhead-West Fargo Chamber of Commerce Economic Outlook 2015 Forum on Feb. 19.

Fri. Feb 20 8:02 PM Read more...

Starion Financial Named United Way Top Contributor

Starion Financial was named one of the 2014 Top 20 Contributors at the Missouri Slope Areawide (MSA) United Way annual meeting. The bank’s fundraising effort earned it eighth place overall.

Wed. Feb 18 8:02 PM Read more...

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