Home Insurance
Dwelling, contents, and liability coverage sized to what it would truly cost to rebuild.
Independent Agency · Bismarck, North Dakota
Award-winning insurance, brokered around your life.
We are an independent agency, so we shop the market on your behalf — vetting carriers to find the right coverage for your home, your property, and your business across North Dakota and Colorado.
Policies We Broker
Protect what matters.
Every policy is written after a conversation about what you actually own and what you stand to lose. If you don't see what you need listed, ask — we likely broker it.
Renters Insurance
Affordable protection for your belongings and personal liability inside a rented home.
Condo Insurance
Unit-owner coverage that fills the gaps your HOA master policy leaves behind.
Mobile & Seasonal Homes
Manufactured homes, lake places, and second properties that standard policies overlook.
Business & Commercial
General liability, property, and commercial packages for small and growing operations.
Something else?
Umbrella, liability, and specialty lines are available on request.
Ask a broker →Licensed in North Dakota Colorado
Your Local Experts
Who you'll be working with.
We teamed up with a Colorado financial firm, Mountain State Financial Group, hence our name, ‘Mountain State.’ Across the board, Mountain State stands by the commitment we make to you. We believe relationships are the reason for our success with the services we provide our clients.
Robert Hoff, CFA
Licensed Insurance Broker
Robert brings a disciplined, strategy-first approach to how coverage is structured — matching what a client actually stands to lose to the right carrier, rather than to the nearest available policy.
Valerie Babel
Licensed Insurance Broker
Valerie grew up in Southern California and chose to build her life in Bismarck, calling it “the perfect place to raise her two sons.” Her love for the community has continued to blossom over the last ten years, and she is proud to be part of a business that is local to it.
What Clients Say
“Mountain State Insurance Agency has provided me with the best experience I have ever had with insurance. They are patient and answer all my questions in a timely, educational manner.”
“They worked with me to get the best coverage at an affordable rate when purchasing my first home. Everyone that worked with me was so pleasant and helpful. I would highly recommend them!”
“If I ever have a question Valerie is readily available — you're not just a number. They genuinely care about you and provide you with the best service.”
Let's get you a quote.
The fastest way to start is a phone call — a few minutes on what you own tells us more than any web form. Prefer email? Send us a note and we'll follow up.
Phone
(701) 561-9400Coverage cannot be bound, changed, or canceled by phone message or email until an authorized representative confirms it in writing.