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Call Us Now: The days of shopping for South Dakota home insurance with multiple agents are over. Compare multiple quotes with our licensed homeowners insurance experts and find the best premium and the most comprehensive coverage available in South Dakota. Our top carriers are rated A+ with A.M. Best so you can rest assured knowing your home is protected by a leading company.
The average South Dakota homeowners insurance rate in 2008 was $609.00. It appears that rates have increased over the past 3 years, so make sure you shop your South Dakota home insurance policy today.
Since rates have increased in recent months, it's important to continue to save money and find great coverage on your South Dakota homeowners insurance. Be sure to review your home insurance policy with your local South Dakota insurance agent regularly to ensure that you are qualifying for all available discounts. Also, check your South Dakota homeowners insurance policy to be sure you are still getting the coverage you need for your home and family.
Standard South Dakota Home Insurance Coverages
| A | Dwelling: A standard South Dakota homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard South Dakota home insurance policy |
| C | Contents/Personal Property: A South Dakota home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your South Dakota home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In South Dakota, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or South Dakota MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
South Dakota Homeowners Insurance News
- Another Midwest governor concerned about flood protections Thursday, July 14, 2011
- Fire destroys Dell Rapids homeThursday, December 23, 2010
Other South Dakota Homeowners Resources:
- Disaster Preparedness Guide- Make sure your home and family is protected.
- See the most popular Frequently Asked Questions by other homeowners.
- Visit the Homeowners Blog to read the latest news affecting homeowners today!
Search for home insurance in your South Dakota county:
- Aurora
- Beadle
- Bennett
- Bon Homme
- Brookings
- Brown
- Brule
- Buffalo
- Butte
- Campbell
- Charles Mix
- Clark
- Clay
- Codington
- Corson
- Custer
- Davison
- Day
- Deuel
- Dewey
- Douglas
- Edmunds
- Fall River
- Faulk
- Grant
- Gregory
- Haakon
- Hamlin
- Hand
- Hanson
- Harding
- Hughes
- Hutchinson
- Hyde
- Jackson
- Jerauld
- Jones
- Kingsbury
- Lake
- Lawrence
- Lincoln
- Lyman
- Marshall
- Mccook
- Mcpherson
- Meade
- Mellette
- Miner
- Minnehaha
- Moody
- Pennington
- Perkins
- Potter
- Roberts
- Sanborn
- Shannon
- Spink
- Stanley
- Sully
- Todd
- Tripp
- Turner
- Union
- Walworth
- Yankton
- Ziebach
Customer Reviews in South Dakota
For additional information about specific insurance laws in South Dakota, visit the South Dakota Division of Insurance website.
