Smart Protection for Your Home, Vehicle, and Lifestyle
Choosing personal insurance should feel simple and supportive. Yet most people feel unsure when they try to protect their home, vehicles, or personal belongings. At Marsha Haberman Agency, Nodak Insurance Company, we help families across North Dakota, understand their options and feel confident about their decisions. If you have questions or want to review your current coverage, call
701-642-9251 for support from a local team you can trust.
Personal Insurance Options Designed For Real Life
Our personal insurance options support families, homeowners, renters, and seasonal property owners. These policies protect the things you value most and help you move forward after unexpected events.
Home and Residence Insurance
Home is where your story begins. We help you protect it with strong, flexible coverage.
- Support for storms, fire, theft, and sudden damage
- Coverage for personal belongings inside your home
- Liability options for injuries on your property
- Helpful guidance for first-time homeowners
Auto Insurance Solutions
Driving comes with risk, but the right coverage can give you peace of mind.
- Support for collision, damage, and theft
- Coverage for local and long-distance drivers
- Simple options that fit your daily routine
- Help during the claims process
Specialty and Recreational Vehicle Coverage
Your lifestyle may include vehicles that need special protection. We offer coverage for:
- RVs and campers
- Snowmobiles and ATVs
- Boats and personal watercraft
Renters Insurance
Renters face the same risks as homeowners when it comes to personal belongings. Our policies protect what matters most.
- Belongings protected from fire, theft, or damage
- Affordable liability options
- Clear coverage for apartment and rental home living
Rental Dwelling and Seasonal Home Insurance
Properties you do not live in full time still need strong protection. We support owners of rental houses, cabins, and lake homes.
- Coverage for short-term and long-term rental properties
- Options for seasonal homes in Arizona, and Minnesota lake homes
- Support for situations where cross-border coverage applies
Why Personal Insurance Matters For Your Family
Life happens without warning. A storm can break windows. A vehicle may be damaged in an accident. A break-in can change your sense of security. Personal insurance gives you the strength to recover faster and with less emotional stress. Our goal is to help you prepare for the unexpected so your family stays protected.
Why Clients Choose Our Agency For Personal Coverage
People turn to us because we value honesty, clarity, and steady support. Clients appreciate how simple we make the process. Here is what sets our agency apart:
Local guidance from a team that understands Wahpeton, ND
Simple explanations without complicated terms
Options for every budget and stage of life
Support during updates and claims
Over 60 years of combined insurance experience
Real conversations with real people
Reliable help when life changes fast
Common Personal Insurance Questions and Helpful Answers
Below are answers to questions clients often ask when choosing coverage.
What does home insurance usually cover?
Home insurance generally covers your house, personal belongings, and liability. It can also help with temporary housing if your home becomes unsafe to live in.
Does renters insurance protect the building?
No. Renters insurance protects your belongings and liability. The landlord’s policy covers the building structure.
How much auto coverage should I carry?
It depends on your comfort level, driving habits, and financial risk. We help you choose limits that fit your needs.
Is a seasonal home covered the same way as a primary home?
Seasonal homes often face different risks because they are empty for long periods. We help you select coverage made for part-time properties.
Do I need special coverage for recreational vehicles?
Yes. RVs, boats, and snowmobiles often need policies made for their unique use and risks.