Insurance Services
Personalized Protection For What Matters Most
Centennial Insurance Agency, Inc. offers comprehensive insurance services designed to protect what matters most to you — your vehicle, home, farm, crop, or business. Explore our personalized insurance solutions below, and learn how we can help secure your future with the right coverage at the right price. Customize your policies to meet individual needs, take advantage of bundling options, and enjoy peace of mind knowing you’re in good hands.
Auto Insurance
Protecting your vehicle is crucial for your peace of mind, and our auto insurance policies are designed to give you the coverage you need. Drive with confidence knowing you’re fully protected on the road. Our auto insurance policies offer flexible coverage options designed to fit your needs and budget. We also insure antique and collector vehicles, partnering with multiple companies that specialize in classic, vintage, and high-value automobile insurance to ensure your treasured vehicle receives the specialized protection it deserves.
Coverage Options
Our policies offer a variety of coverage types to protect both you and your vehicle:
Liability Coverage protects you financially if you’re responsible for an accident that injures others or damages their property.
Comprehensive Coverage safeguards your vehicle from non-collision incidents like theft, vandalism, or natural disasters.
Collision Coverage covers the cost of repairing or replacing your vehicle if it’s damaged in a collision, regardless of who is at fault.
Uninsured/Underinsured Motorist Protection ensures you’re covered if you’re in an accident with a driver who doesn’t have adequate insurance.
Roadside Assistance provides help when you need it most, such as towing, battery jumps, tire changes, or lockout services.
Rental Reimbursement helps cover the cost of a rental vehicle while your car is being repaired due to a covered claim.
Additional optional endorsements are also available to address unique or specialized coverage needs. These can be added upon request to create a policy that fits your individual situation.
Home Insurance
Your home is more than just a building — it’s where your life happens. Protect your home and everything in it with customized insurance policies designed to protect you from unexpected events like fires, storms, theft, and more. Our home insurance policies offer flexibility and comprehensive protection to keep your investment safe.
Coverage Options
Our home insurance plans are tailored to safeguard your property, personal belongings, and more. Coverage includes:
Dwelling Protection covers the structure of your home, including walls, roof, floors, and other built-in systems, from damages caused by events such as fire, windstorms, or vandalism.
Personal Property Protection protects your personal belongings, including furniture, electronics, appliances, clothing, and valuables, against theft, fire, or other covered events.
Liability Coverage provides financial protection if someone is injured on your property and you are held responsible for medical bills or legal fees.
Additional Living Expenses (ALE) covers temporary housing and additional costs if your home becomes uninhabitable due to a covered loss, such as a fire.
Coverage for Other Structures protects detached structures like garages, sheds, or fences on your property.
Scheduled Personal Property offers enhanced coverage for valuable items such as jewelry, watches, firearms, fine art, collectibles, or other high-value belongings that require expanded protection beyond standard policy limits.
We also offer a wide variety of optional endorsement coverages, such as sewer backup, service line, equipment breakdown, and more, to meet the unique needs of our customers. These enhancements are available on a case-by-case basis and can be added to create a personalized policy tailored specifically to your situation.
Recreational Vehicle Insurance
Owning a boat, motorcycle, ATV, or any other recreational vehicle, is all about enjoying freedom and adventure. But every journey, whether on land or water, comes with risks. Our recreational vehicle insurance provides the coverage you need to explore confidently, knowing that your investment and your safety are fully protected.
Coverage Options
RV Insurance covers your motorhome or travel trailer for damages from accidents, theft, vandalism, or natural disasters. You’ll also be protected from liability in case of injuries or property damage while driving or parked.
Boat Insurance protects your boat or personal watercraft from collisions, sinking, theft, and weather-related damage. Liability coverage also includes protection in case of accidents on the water.
Motorcycle Insurance offers protection for damages to your bike, medical expenses from accidents, and liability coverage for injuries to others. Additional options include coverage for custom parts, gear, and accessories.
ATV & Off-Road Vehicle Insurance protects your ATV, UTV, or dirt bike from accidents, theft, and liability risks.
Camper & Trailer Insurance protects your camper, fifth-wheel, or travel trailer from damages caused by accidents, storms, or theft, and covers personal belongings stored inside.
Snowmobile Insurance ensures that your snowmobile is protected during the winter season, covering damages, liability, and theft, no matter where you ride.
Golf Cart Insurance provides protection for your golf cart against accidents, theft, vandalism, and liability claims—whether you use it on the course, around your property, or in golf-cart-friendly communities.
Business Insurance
Running a business comes with many risks, but the right insurance coverage can help mitigate those risks. Our business insurance policies are designed to protect your enterprise from unexpected events that could impact your bottom line. No matter what size your business is, we’ll tailor your coverage to meet your unique needs, providing peace of mind and financial security.
Coverage Options
Protect every aspect of your business with comprehensive insurance solutions that cover a wide range of risks. Coverage includes:
Property Insurance covers your physical assets, including your building, equipment, inventory, and furnishings, from damage due to fire, theft, vandalism, or natural disasters.
General Liability Insurance shields your business from the financial burden of legal claims and lawsuits stemming from accidents, injuries, or property damage. This essential coverage includes legal fees, medical expenses, and compensation for damages.
Commercial Auto Insurance covers vehicles owned or used by your business, protecting you from liability in case of accidents, as well as damage to your vehicles.
Cyber Liability Insurance protects your business from the financial consequences of cyberattacks, data breaches, and other digital threats.
Crop Insurance
Farming comes with its own set of challenges, but with our crop insurance, you can secure your livelihood and protect your financial future. Protect your livelihood from weather events, market fluctuations, and other unforeseen challenges with specialized crop insurance designed to meet the unique needs of farmers. Our plans are designed to offer reliable support when unexpected weather or market shifts affect your harvest.
Coverage Options
Our crop insurance options offer flexibility and protection for a wide range of farming operations. Coverage includes:
Yield-Based Insurance protects you from a loss in crop yields due to natural disasters like drought, excessive moisture, hail, or disease. If your yield falls below a set percentage of your historical average, this coverage compensates for the difference.
Revenue-Based Insurance protects your income if crop prices drop or yields are low. If your revenue falls below a pre-set guarantee based on historical production and market prices, you receive a payout to make up for the shortfall.
Multi-Peril Crop Insurance (MPCI) covers a wide range of risks, including adverse weather, insects, plant disease, and more. It’s a comprehensive option for farmers who want broad protection against a variety of threats to their harvest.
Crop Hail Insurance
Severe weather can strike without warning, and hail can destroy a season’s work in minutes. Our crop hail insurance gives you targeted protection for one of the most unpredictable and damaging threats farmers face. Safeguard your crops from hail-related losses and reduce financial uncertainty with coverage designed specifically for the realities of farming in hail-prone regions.
Coverage Options
Our crop hail insurance options are tailored to support a wide range of operations and risk levels. Coverage includes:
Basic Hail Coverage protects your crop from damage caused directly by hail. If hail damages or destroys your crop, you receive compensation for the coverage amount you purchase, to help offset financial losses.
Fire & Lightning Protection can be added to ensure coverage if your crops are damaged or destroyed by accidental fire or lightning strikes while still in the field.
Vandalism / Malicious Mischief provides coverage for unexpected human-caused damage that impacts growing crops.
Why Choose Us?
Centennial Insurance Agency believes that peace of mind should never be complicated. With personalized coverage tailored to your needs, we’re here to protect what matters most — your family, your home, and your future. Our experienced team is dedicated to providing fast, friendly service and expert guidance every step of the way.
With comprehensive policies and affordable premiums, we’ve got you covered. Choose us for reliable protection, responsive support, and the confidence that comes from knowing you’re in good hands.
Tips For Choosing The Right Insurance
Selecting the right insurance can feel overwhelming, but with the right approach, you can make informed decisions that fit your needs and budget. Here are some helpful tips to guide you through the process:
Start by identifying what you need to protect — your home, farm, vehicle, or business. Knowing your priorities will help you choose the coverage that best fits your life and goals.
Not all insurance policies are the same. Take the time to understand what is and isn’t covered under each policy. Look for a balance of protection and affordability, and avoid gaps that could leave you vulnerable.
Don’t settle for the first option you find. Compare multiple insurance quotes to ensure you’re getting the best value. Consider factors such as coverage limits, and deductibles.
A knowledgeable and responsive agent can help you navigate the complexities of insurance, ensuring you get the right coverage without paying for extras you don’t need. Our agents have years of experience in the field, so we can provide the best support every step of the way.
Life changes, and so should your insurance. Make it a habit to review your policies annually and update them to match your current situation, such as new property, a growing family, or depreciation/appreciation of assets.
Tailored Coverage, Competitive Rates
Get Your Free Insurance Quote Today
Centennial Insurance Agency, Inc. offers tailored insurance solutions to meet your specific needs, including auto, home, crop, crop-hail, recreational vehicle, and business insurance. Our team is dedicated to finding the right coverage at the best price. Requesting a quote is fast, easy, and free—get started today!
Need Help? Contact Us
If you have any questions or need assistance during the quote request process, please reach out:
Visit Us:
740 Main St, New England, ND 58647, United States
Our office hours are Monday to Friday, 8:00 AM to 12:00 PM and 1:00 PM to 5:00 PM. We are closed on Saturday and Sunday.
Please complete the required form below with your basic information. Once submitted, one of our agents will follow up to continue the quote process and gather any additional details needed.
Insurance Questionnaires Available for Download
A complete insurance quote often requires more detailed information than the form can collect. To help streamline the process, you can download and complete the appropriate insurance questionnaire for the type of coverage you are interested in.
Once completed, please email the questionnaire to centins@ndsupernet.com.
Available Questionnaire Downloads (click to download):
Ready to Protect What Matters Most?
Centennial Insurance Agency is committed to providing the personalized protection you deserve. Explore our services or contact us for a one-on-one consultation and quote.
Call Us:
(701) 579-4383
