Motor Vehicle

• Auto Insurance
  All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance in Tioga, North Dakota, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you.
• Motorcycle Insurance
  We are a North Dakota based insurance agency that specializes in motorcycle coverage. We will shop the best motorcycle insurance companies in North Dakota to find you the best coverage at an affordable price. You can either fill out our online quote form or contact us for a free, no-obligation quote.
• Boat Insurance
• RV Insurance
  Contact us to find out more about recreational vehicle insurance in Tioga, North Dakota including the Minot, New Town, Ray, Stanley, and Watford City areas.
• Mobile Home Insurance
  We pride ourselves in customer service with the lowest possible rate. Just contact us today at 701-664-3400 to find your next North Dakota mobile home or manufactured home insurance policy. We service mobile home insurance policies in Tioga, North Dakota including the Minot, New Town, Ray, Stanley, and Watford City areas.
• ATV Insurance
• Inland Marine Insurance
• Truck Insurance
  We work with some of the top rated companies for your commercial truck insurance policy and tailor a package that meets your truck and trailer needs.
• Jet Ski Insurance
  Consult with one of our professional agents at ISU Papineau Insurance to make sure you have the right coverage at a competitive price. We can evaluate your boat or jet ski insurance needs to find special coverages you may need or any discounts you may qualify for. Some additional discounts and coverages may include...

Property

• Renters Insurance
  You may be speculative why it's necessary to hold a renters insurance. Rental properties, particularly apartments are thought-about risky once it involves potential claims. You share a building with plenty of individuals where fires, theft, and water harm are sometimes frequent. There are many potential risks and your property is in danger. The items you own are valuable and you should shield them from a loss. Besides, renters insurance in most cases is extremely cheap.
• Home Insurance
  Flood damage can be devastating for any family, and most flood losses are not covered by your standard home insurance policy. Also, don't rely on the federal government to assist you in the event of a massive flood situation.
• Condo Insurance
  Condo Association insurance can help but it often is meant for the building itself rather than what's inside. This is where a condo insurance policy is different from a homeowners policy because you usually will just need to cover the valuables inside your condo.

Health and Life

• Life Insurance
  North Dakota Group Life Insurance is usually offered as part of your employees benefit package and covers an entire group of people. Policies are not based on an individual's lifestyle habits or health factors but the employees are grouped together and rates are based on the risk of the group as a whole. The coverage costs are usually much less than if the employee purchased an individual policy.
• Health Insurance
  Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
• Long Term Care
  In general, if you can't perform daily activities because of an impairment as a result of chronic illness or disability, you will need long term care. This would include the assistance you could need if you are unable to take care of yourself for a long period of time. However, some people who need help with these daily activities may only need them for a few months.
• Dental Insurance

Business

• Business Insurance
  It helps to find an agency that you know and can trust. Our staff has the knowledge and experience of our insurance products to provide maximum benefit and protection to our clients. Let one of our licensed professional insurance agents help you with any of your personal or business insurance needs serving Tioga & Williston, North Dakota.
• Commercial Property Insurance
  Commercial Property insurance covers the building that your business owns or rents. A North Dakota commercial property insurance policy would also cover equipment, computers, tools and furniture. Let the agents at ISU Papineau Insurance evaluate your commercial property insurance needs to find the best suite for your liabilities and risks.
• Workers Compensation Insurance
  If your farm or ranch is a business as well, you may want to consider other additional coverages like loss of income, workers compensation, commercial auto and errors and omissions. The different options and coverages for a farm & ranch policy can be confusing, so having an independent agent is advantageous to explain the details.
• Commercial Liability Insurance
  Commercial Umbrella Insurance is intended to pick up where your General Liability, Commercial Auto or Employer's Liability policies leave off. So, your Commercial Liability policy won't "kick in" until your other policy limits have been reached. Not having enough coverage for your business in Tioga, North Dakota and surrounding areas could leave your business vulnerable.
• Professional Liability Insurance
  Professional Liability Insurance or PLI is a form of liability insurance necessary to help protect businesses in the service or consultant industry. A claim of negligence can be very damaging to a growing business and if the claim results in monetary damages can be catastrophic.
• Builders Risk Insurance
  A builders risk policy protects builders and contractors from losses to property and financially in the event of an incident. Losses may occur to the property or structure but may include the materials used on the job site. Our agency can help protect you in the event of a fire, flood or theft. You may also opt to have additional coverage in the event of losses due to project penalties or unexpected costs, like taxes.
• Restaurant Insurance
  We can service your restaurant insurance needs in Tioga, North Dakota including the Minot, New Town, Ray, Stanley, and Watford City areas.

Personal

• Annuities
  You should consider annuities when developing your long term financial plan. Annuities give your the opportunity for lifetime payments and tax-deferred earnings. Our advisors at ISU Papineau Insurance can assist you in mapping our your retirement strategy and how annuities can help your financial security.
• Liability Insurance
  Umbrella insurance is there to protect you if you are liable for something big. Similar to an umbrella, it is there to fill in coverage caps that you may have from your other insurance policies.
• Pet Insurance
  Pet insurance would cover expenses with your pet, dog or cat may have unexpected medical bills. Our pet insurance providers will reimburse your pet expenses after your pet is treated at the veterinarian. Pet Insurance has become more popular as the recent advancements in veterinary medicine are helping pets live longer, but many times these treatments can be costly.
• Jewelry Insurance
  There may also be other coverages that you many want to consider in addition to your basic homeowners policy. These may include personal umbrella, automobile, flood, earthquake or jewelry insurance. Our agents at ISU Papineau Insurance can help you understand your other risks and help you evaluate whether you may need additional coverages in your North Dakota home insurance plan.

Natural Disaster

• Flood Insurance
  Your standard North Dakota flood insurance policy would apply to homes, condos, mobile homes, businesses and rentals that are in flood zone areas. Typically, your flood insurance policy is dependent on your flood zone risk.