Mandan, ND Home Insurance
A comprehensive Mandan home insurance policy protects your residence, rain or shine, allowing you to focus on enjoying life.
Mandan, ND, is an excellent place for people who love exploring the outdoors. Located near Fort Abraham Lincoln State Park and the Missouri River, this small city offers plenty of hiking, fishing and hunting. Summer is the best time for enjoying Mandan's natural beauty, as the weather is mild and the skies are clear. Just keep an eye out for sudden showers, as June is the rainy season and averages 2.8 inches of rainfall.
With a cost of living 8.1% lower than the national average, Mandan is a relatively affordable place to live. Unemployment is slightly lower than the national average at 5.3%, and the top industries include construction, manufacturing, health care, education and retail. The median income is $74,341, but the median home price is $285,400, which is higher than national and state costs. Despite the high price, 66.1% of residents own their homes.
Mandan is a smaller city with a population of nearly 24,500 and steady growth over the past two decades. Impressively, 32.8% of adults have some college education, and over 92.% have a high school diploma. While the majority of residents are white, the Asian, American Indian, Black and Hispanic communities have a solid presence in Mandan.
Homeowners insurance covers repair and replacement costs associated with unexpected events. For example, if your pipes freeze during a cold snap and burst, home insurance may pay for the following:
However, it doesn't cover normal wear and tear. Standard policies also rarely cover floods, earthquakes and high-value items, such as jewelry worth millions of dollars. Fortunately, you can purchase supplemental coverage for these.
In Mandan, property crime is one of the biggest concerns for residents. Compared to cities of a similar size, Mandan has a very high crime rate, putting homeowners at risk of theft, burglary and vandalism. The good news is that an insurance policy can replace stolen items and cover the repair of windows and doors broken during the crime.
The city's winter weather can also do a number on homes, as Mandan has endured a variety of harsh winter weather over the past 50 years :
Cold weather also presents liability risks, as ice patches create a higher chance of slipping. If someone gets injured on your property, they can sue for damages. Since those include medical expenses, the bill can get pricy fast. Fortunately, homeowners insurance generally includes liability, so your insurer can cover medical and legal bills.
Mandan's average annual premium for home insurance is quite high, especially for its size. Residents can expect to pay around $2,215 a year, several hundred dollars higher than the national average. It's more in line with the state average but is still high, likely due to the many risks in the area.
Finding Mandan home insurance that fits your needs is easier than ever with the help of VIU by HUB. This tool gathers quotes for you, allowing you to compare various insurance companies without the tedious process of contacting individual agencies. With more time on your hands, you can carefully study each policy to find a great deal that covers all the bases.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
