Your top 4 renters insurance questions answered

Your top 4 renters insurance questions answered

When you are looking at apartments or townhouses, you are thinking about what the rent is, how much the utilities will cost, and what you will need for a down payment. Renters insurance is often forgotten about, but it is extremely important and necessary. That is why we have broken down the renters insurance basics and answered your top 4 questions.

Why do I need renters insurance?

Unfortunately, disasters happen.  If a pipe bursts, your apartment gets broken into, or a fire occurs, it is important that you have insurance to protect what you own. Insurance can end up saving you huge! If you don’t have renters insurance, you could be at risk of losing thousands of dollars. Many may think that they don’t need renters insurance or that the management company will assume responsibility. However, only the building itself is covered by the landlord. Your personal property is not included, and that is why some companies, such as Prairie Property Management, will require you to have renters insurance as a part of the lease agreement.

What does it cover?

Renters insurance covers your personal belongings as well as your liability in the event that someone is injured on the property. There a couple of different coverage methods insurance companies will use. They will either cover the cash value of your belongings (what they would be sold for today) or they will cover to completely replace the item. Often times policies that will completely replace an item are a higher cost since the pay out is higher.

As with any type of insurance, there is a deductible. Which means that you are responsible for the cost up to a certain amount. Say your deductible is $1,000, then you’d be responsible for everything up to $1,000 in damage. Depending on what plan you pick, there are limits to what insurance can cover and some items are excluded from coverage, such as jewelry.

The coverage may also cover additional expenses, such as if something happens at your apartment and you need to stay in a hotel for a couple of nights, it will be covered by insurance.

What does it cost?

Unlike homeowner’s insurance, renters insurance is very reasonably priced, with an average cost of around $16 per month according to PolicyGenius. The total cost per month is primarily based on how much your possessions are worth and what sort of deductible you want. Other factors include: if you are a dog owner, what security systems are in place, and your location.

Where can I purchase renters insurance?

There are a lot of companies that sell renters insurance and a good starting point would be checking to see if your car insurance company also offers renters insurance. Otherwise, a quick Google search will pull up several companies that will give you quotes online without ever having to talk to an agent, unless you want to. When you are looking for a provider, shop around a bit and get multiple quotes. That way you will be sure you are getting the exact coverage you need at the best price. The whole process could take you as little as 10 to 15 minutes but could end up saving you thousands.

Conclusion: Purchasing renters insurance is quick, easy, and totally worth it.

Virtual Tours of the Cascades of Mandan Apartments

Cascades of Mandan Apartments Virtual Tours

The Cascades of Mandan have everything you want and need! The open floor plans, beautiful finishes, and convenient location make these Mandan apartments a great place to call home. Each apartment is complete with a private patio or balcony, stainless steel appliances, air conditioning, large walk-in closets, and a washer and dryer. The buildings also features an elevator, fitness center, and a keypad entrance for additional security.

View the Efficiency, 1 bedroom, 2 bedroom, and 3 bedroom floor plans:

Efficiency Floor Plan

1 Bedroom Floor Plan – Model

1 Bedroom Floor Plan

2 Bedroom Floor Plan

2 Bedroom Floor Plan

3 Bedroom Floor Plan

See additional floor plan information, rental rates, pet policies, and more on the Cascades of Mandan website.

View our other Mandan properties.

Prairie Property Management named Best Apartment Rental Company

Prairie Property Management named Best Apartment Rental Company

We are so excited to announce that Prairie Property Management has been named Best Apartment Rental Company in the Fargo Forum’s Best of the Red River Valley Awards in 2018. This achievement means so much to us since we were nominated and voted for by the individuals in the communities we serve. We are so humbled and thankful.

Prairie Property Management serves rental communities in Fargo, Moorhead, West Fargo, Minot, Mandan, Williston, Watford City, and Jamestown. We are dedicated to providing a quality lifestyle for you and your family by offering great service and quality products. We offer everything from efficiency apartments to single family homes. From move-in to move-out, we are your local rental experts.

We were founded in 1996 and have since moved into new cities and manage over 2,500 rental units. We continue looking for new ways to serve our residents to make the rental process as easy as possible. This year, we have started offering online leasing, virtual tours, and have added new team members. Our portfolio has grown with the addition of The Grand off 45th Apartments, Diamond Creek Townhomes, Shadow Creek Townhomes, and Cascades Townhomes.

We would like to thank everyone who voted for us and who has supported us over the years! We look forward to continue offering  you quality products and excellent service.


Black Friday Deals

Black Friday Deals

Cascades of Mandan Apartments – Mandan, ND

BLACK FRIDAY DEAL: Receive $25/month off rent when you sign a 13 month lease plus current incentives.

Click to view website.

apartment building, exterior of apartment, mandan apartment

Cascades Townhomes – Mandan, ND

BLACK FRIDAY DEAL: Receive $50/month off rent when you sign a 13 month lease plus current incentives.

Click to view website.

mandan townhome, row of townhomes

Stonebridge Townhomes – Minot, ND

BLACK FRIDAY DEAL: Receive $50/month off rent when you sign a 13 month lease plus current incentives.

Click to view website.

exterior of minot townhome, brick exterior

Stonebridge Villas Apartments – Minot, ND

BLACK FRIDAY DEAL: Receive $25/month off rent when you sign a 13 month lease plus current incentives.

Click to view website.

COMMUNITY SPOTLIGHT: The Grand off 45th Apartments

COMMUNITY SPOTLIGHT: The Grand off 45th Apartments

The Grand off 45th is a Fargo apartment community offering amenities to fit the modern resident’s lifestyle including an onsite fitness center, clubhouse, pet washing station, and underground parking. In addition to the community amenities, each apartment offers modern and luxurious amenities including quartz countertops, energy efficient stainless steel appliances, central air conditioning, and hard surface flooring. Each floor plan is spacious and offers large walk-in closets, carpeted bedrooms, beautiful and unique light fixtures, and a private patio or balcony. The Grand off 45th offers efficiency, 1 bedroom, 2 bedroom, and 3 bedroom apartments.

Apartment Interior

Each apartment offers high end finishes including stainless steel appliances, quartz countertops, hard surface flooring, high ceilings, a private patio or balcony, and central air conditioning. The walls were designed to eliminate sound so that you don’t hear your neighbors and your neighbors don’t hear you. First floor apartments all have a private walk-out patio and sidewalk so that residents can park directly in front of their unit and enter from the patio. The Grand offers two different cabinet styles (white or brown) and two different light fixture options (copper or steel). Check out the 3D virtual tour.

apartment, grand off 45th, fargo apartment


The Grand’s clubhouse is the perfect place to lounge and catch up with friends or neighbors. You can play one of the many games including pool, shuffle board, and darts. You can relax by the fireplace, host a party, or grab a snack from the vending machines. There is also a coffee machine that you can access 24/7. Check out the 3D virtual tour.

Fitness Center

When you don’t feel like driving to the gym, you can walk down the hallway and use The Grand’s fully outfitted fitness center. The gym is complete with treadmills, ellipticals, bikes, free weights, weight machines, stretching equipment, and a yoga floor. Check out the 3D virtual tour.

fitness center, gym

Pet Washing Station

The Grand off 45th is a pet friendly community and wants to make sure pets and their owners feel welcome! That is why we offer a pet washing station so that your pet is happy and clean. Visit our Pet Policy page to learn more about our pet friendly properties.

pet washing station, pet grooming

Community Patio

Enjoy the outdoors on The Grand’s community patio that offers a pergola, fireplaces, and grill. It’s the perfect summer hangout!


The Grand off 45th is located at the intersection of 45th Street and 52nd Avenue in Fargo. The area offers great shopping, restaurants, parks, trails, and entertainment!

Visit The Grand off 45th’s website to see floor plans, browse the photo gallery, or go on a virtual tour. The Grand off 45th opened in September 2018 and was built by EagleRidge Development out of Fargo. This is the first phase of the project and there will be a second building opening up Summer 2019.