Fargo Moorhead Insurance

FM insurance provides insurance coverage in the Fargo area. It's a good feeling knowing that our customers, our friends and our neighbors are one in the same.

[Fargo Moorhead Insurance @InsuranceFargo]

A serious lawsuit can wipe out everything you've built. A personal umbrella policy adds liability above your home and auto limits, often $1 million for a few hundred a year. Worth a look if you own property or have savings. Call us. #UmbrellaInsurance #LiabilityCoverage

[Fargo Moorhead Insurance @InsuranceFargo]

Just one inch of floodwater can cause $25,000 in damage to a home. Standard homeowners excludes it. NFIP policies usually take 30 days to activate. About a third of flood claims happen outside high-risk zones. Call us today. #FloodInsurance #NFIP

[Fargo Moorhead Insurance @InsuranceFargo]

Professional liability covers claims that your work was negligent or caused a client financial harm. General liability does not cover this. If you charge for services or advice, you likely have exposure. Call us. #ProfessionalLiability #EandO #BusinessInsurance

[Fargo Moorhead Insurance @InsuranceFargo]

If your car is totaled and you owe more than it's worth, insurance pays the car's value, not your loan balance. Gap insurance covers the difference. Buying through your insurer is usually cheaper than the dealer. Call now. #GapInsurance #AutoInsurance #VehicleFinancing

[Fargo Moorhead Insurance @InsuranceFargo]

A personal umbrella adds liability above your homeowners and auto limits, typically starting at $1 million for a few hundred dollars a year. If you own property or have significant assets, it's worth it. Call for a quote. #UmbrellaInsurance #LiabilityCoverage

[Fargo Moorhead Insurance @InsuranceFargo]

Most states require workers' comp with at least one employee. It covers medical bills, lost wages, and rehab. Operating without required coverage can mean fines and personal liability. Call us today. #WorkersCompensation #BusinessInsurance #SmallBusinessTips

[Fargo Moorhead Insurance @InsuranceFargo]

Collision covers crash damage, regardless of fault. Comprehensive covers theft, hail, fire, and vandalism. Both have deductibles. If your car is worth $3,000 and your deductible is $1,000, the max payout is $2,000. Run those numbers. #AutoInsurance #CollisionCoverage

[Fargo Moorhead Insurance @InsuranceFargo]

Actual cash value pays depreciated worth. Replacement cost pays for a new equivalent today. The difference in a claim can be significant. Know which one your policy uses before you need to file. Call us. #HomeInsurance #ReplacementCost #InsuranceTips

[Fargo Moorhead Insurance @InsuranceFargo]

A Business Owner's Policy bundles general liability and commercial property into one package at lower cost. Many include business interruption coverage. Not every business qualifies. Call us to find out if a BOP fits yours. #BusinessOwnerPolicy #SmallBusinessInsurance

[Fargo Moorhead Insurance @InsuranceFargo]

Roughly 1 in 7 American drivers carries no insurance. Uninsured motorist coverage protects you when they cause an accident. Underinsured motorist applies when their limits fall short. Both are worth having. Call us to add them. #UninsuredMotorist #AutoInsurance #InsuranceTips

[Fargo Moorhead Insurance @InsuranceFargo]

Standard homeowners doesn't cover flooding. A separate policy is required, and most take 30 days to take effect. About a third of flood claims come from outside high-risk zones. Check FEMA's flood map, then call us. #FloodInsurance #NFIP #DisasterPreparedness

[Fargo Moorhead Insurance @InsuranceFargo]

General liability covers injury, property damage, and advertising claims against your business. Defense costs tens of thousands even when you're not at fault. Some clients require proof before they'll work with you. Call us. #BusinessInsurance #GeneralLiability

[Fargo Moorhead Insurance @InsuranceFargo]

Liability pays for damage you cause others. Full coverage adds collision and comprehensive. On an older car worth a few thousand dollars, the math may not work out. Call us to find out what makes sense for you. #AutoInsurance #CarInsurance #InsuranceTips

[Fargo Moorhead Insurance @InsuranceFargo]

Standard homeowners covers fire, wind, hail, theft, and liability. Not flooding, earthquakes, or wear and tear. A leaking 25-year-old roof is a maintenance issue, not a covered claim. Read your policy now. Call us. #HomeInsurance #KnowYourCoverage #InsuranceTips

[Fargo Moorhead Insurance @InsuranceFargo]

Farm insurance helps protect more than crops—it protects your future. What do you look for when choosing coverage? #FarmInsurance #FarmerTalk 🚜

[Fargo Moorhead Insurance @InsuranceFargo]

Choosing car insurance can be confusing. What’s the first question you always ask before signing a policy? #AutoInsurance #InsuranceTips

[Fargo Moorhead Insurance @InsuranceFargo]

Regular car maintenance helps avoid costly problems—and the right insurance gives extra peace of mind. #CarInsurance #CarMaintenance

[Fargo Moorhead Insurance @InsuranceFargo]

Cyber threats are real. Protect your business from data breaches and online risks with proper coverage. #CyberInsurance #DataProtection

[Fargo Moorhead Insurance @InsuranceFargo]

Upgrading your home security could lower your insurance costs. Better protection and savings at the same time. #HomeSecurity #InsuranceTips

[Fargo Moorhead Insurance @InsuranceFargo]

No matter the size of your business, the right insurance protects your growth and future. Don’t leave it to chance. #BusinessInsurance #BusinessProtection