North Dakota Code § 26.1-13-14

County mutual company - Insurance authority
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A county mutual insurance company may insure against loss or damage by fire ; lightning; 
cyclone; windstorm ; tornado ; hail, except upon growing crops ; any insured hazard upon 
livestock; explosion, except the explosion of steam boilers and flywheels ; riot; riot attending a 
strike; civil commotion; aircraft; vehicles; smoke to the property of the insured ; theft; vandalism; 
malicious mischief; water damage and freezing ; collision and overturn of farm machinery ; 
collapse of buildings ; glass breakage ; the additional living expenses incurred over and above 
normal living costs in cases of damage ; the removal of debris ; the cost of repairing or replacing 
homes or living residences; or all such forms of insurance.

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