Independent agency · West Fargo, ND
Value is important,
but coverage pays.
Insure Logic is an independent insurance agency in West Fargo, North Dakota. One application, 40+ carriers, and an owner who reads the coverage forms instead of just the price — for homes, vehicles, farms, and businesses across the Red River Valley.
- Carriers shopped
- 40+
- Licensed in
- ND · SD · MN · AZ
- Independent since
- 2012
- Who handles your file
- The owner
Get a quote in minutes
What we write
Six lines of coverage, written to the exposure
Every line below has a checklist behind it — the items worth confirming before you sign, not after a claim.
Home & Property
Homeowners, renters, condo, and landlord policies written to rebuild cost, not market value.
Auto
Personal auto for families, commuters, teen drivers, and multi-vehicle households.
Farm & Ranch
Acreages, hobby farms, horse operations, outbuildings, equipment, and livestock.
Business & Commercial
General liability, property, workers' compensation, commercial auto, and certificates.
Life
Term, whole life, and coverage tied to a mortgage or a business.
Recreational Vehicles
Boats, campers and RVs, side-by-sides, snowmobiles, motorcycles, and collector cars.
The gap
Most people find the gap on the worst day of the year
Two policies can carry the same premium and settle a claim hundreds of thousands of dollars apart. The difference is never on the first page.
What most investors carry
$300,000
The liability limit Bryan most often finds on a landlord policy when a new client walks in.
What an umbrella adds
$1,000,000
Excess liability starts here, and can run as little as about $300 a year.
“We live in a highly litigious world. The cost of goods and services is at or near an all-time high, so the exposure to a possible large liability loss is as well.”
— Bryan McClean, Principal Agent & Founder
The market
One application. The whole market.
A captive agent has one company to sell you. Insure Logic quotes 40+ — so the recommendation can actually change based on your answers.
A representative sample of appointed carriers. See the full wall.
Bryan McClean
Principal Agent & Founder
Why this agency exists
He got into insurance because of an underinsured motorist
Bryan was drawn to the industry after his wife Nikki was in a bad car accident with an underinsured driver. He knew he needed to make sure the people he cared about never had to go through the same thing.
He spent 15 years in sales management and leadership before insurance, then eight years running one of the most successful Farmers Insurance agencies in North Dakota. In 2012 he started his own agency, and later went fully independent as Insure Logic so the recommendation would never be limited to one company's products.
Insights
Plain answers to the questions that keep coming up
Home · March 5, 2025
Navigating home insurance in a hard market
Premiums are up, underwriting is tighter, and carriers are writing less. Here is what is actually driving it and what you can do about it.
Auto · March 15, 2022
Adding a teenage driver to your insurance?
This is a major pinch point in a family's monthly budget. Here is how to keep the increase manageable.
Market · March 4, 2022
Inflation: what does it mean for your insurance?
Your money has less buying power than it did. Here is how that shows up on a policy you did not change.
Send it over whenever it suits you
Not everyone can do business between nine and five. Email or text at 8:30 at night if that is when you have a minute — it gets handled either way.