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South Dakota Homeowners Insurance

Your Complete Home Insurance Guide for South Dakota

Full analysis of  INSURANCE COSTS, CRIME RATES  and  WEATHER PATTERNS in your city and state.

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Popular Questions About South Dakota Home Insurance

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How Much Does South Dakota Home Insurance Cost?

The national yearly premium average for homeowners insurance is $1,132, but the yearly premium average in South Dakota is a little bit less at $995. South Dakota has the 28th most expensive premium in the U.S., meaning it's cheaper than most.

What Does My South Dakota Home Insurance Do for Me?

Your homeowners insurance gives you a backup plan in case a disaster strikes causing damage to your home.

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Pays for repairs to your home and your belongings

Example: A tree falls on your house, and rain ruins your 60" Samsung TV.

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Pays for someone else's injuries or property damage when it's your fault

Example: Your kid is playing baseball and accidentally smacks the ball through your neighbor's window.

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Pays for temporary living expenses when your home is damaged

Example: You need a hotel while your house's roof is being repaired due to a fallen tree.

What Are the Top 5 South Dakota Home Insurance Claims?

2
Wind & Hail Damage
2
Water Damage & Freezing
3
Property Damage
1
Theft
2
Fire & Lightning Damage
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$177,116,000

Spent by insurance companies on homeowners claims in South Dakota in 2015.

(That's a lot of unfortunate events happening to South Dakota homeowners.)

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How Is My South Dakota Homeowners Insurance Calculated?

Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk."

Below are two examples of risk facing the state of South Dakota.

Crime

Crime

Theft is an ongoing concern for homeowners in South Dakota. However, the crime rate in this state is actually slightly lower than the national average.

  • Theft rate in South Dakota:  19.43 thefts per 1,000 residents
  • Theft rate in United States:  24.9 thefts per 1,000 residents
weather

Weather

South Dakota is no stranger to natural disasters and severe weather threats.

  • Number of catastrophes: 662

  • Number of tornadoes: 26

  • Number of flood claims: 53

  • Property damage from weather: $17,440,000

Top Insurance Companies in South Dakota

An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget.

stillwater
state auto
safeco
nationwide

Find the Best South Dakota Homeowners Insurance Today

Instead of buying home insurance from an agent who works for a specific carrier, choose an independent agent who is free to shop rates from multiple companies. This gives you access to more options and lower rates on your South Dakota homeowners insurance.

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350

Agents in South Dakota are ready to help.

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175

South Dakota residents have already been helped by one of our agents.

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Find the Best Insurance in Your City

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All monthly home insurance averages for South Dakota cities were quoted using the following persona: a 46-year-old man living with his partner in a 20-year-old, 2,000 square foot primary residence that's one story and has a 10-year-old roof, frame construction, no fireplace, no sprinkler system and no losses in the past five years.

Sioux Falls

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$111

PER MONTH

Avg. Cost of Sioux Falls Home Insurance

Several variables will influence how much you pay for home insurance in Sioux Falls. Your rate will be determined by the size and age of your home, your previous claims and your credit score.

Common Homeowners Claim in Sioux Falls

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Theft or Burglary
theft

 

If you come home from work one day and find that you've been robbed, you might be tempted to panic. Burglaries are always scary, but if you have a Sioux Falls home insurance plan, you can file a claim and have your insurance provider help pay to replace your stolen valuables.

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Find the Best Sioux Falls Home Insurance

Independent agents can help you find major savings on home insurance by shopping rates from multiple providers. Your agent will help you choose the best homeowners insurance to protect your home from Sioux Falls' most common threats.

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Agents in Sioux Falls are ready to help.

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35

Sioux Falls residents have already been helped by one of our agents.

See what others are saying about our Sioux Falls agents …

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We have worked with this agent for over the past 2 years. He is without a doubt the most trustworthy insurance agent I have ever worked with. Working with him has made the insurance process a walk in the park. He looks at every possible detail and ensures that my family, my business and I are in good hands!Tom Z.
Yelp Review
Any time we have a question or concern, my agent is quick to provide an answer or work to help us with whatever comes up. He is always professional, polite and prompt, and he has provided us guidance with how to best handle our coverage. Jimmy L.
Google Review
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Rapid City

$127

PER MONTH

Avg. Rapid City Homeowners Cost  

Your home insurance premium might be higher or lower, depending on your home's location and size and your previous claims, if any.

Common Homeowners Claim in Rapid City

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Property Damage
property damage

 

Whether a tree falls through your roof or your home is vandalized by neighborhood kids, property damage is covered with Rapid City homeowners insurance. You just file a claim and let your company help with the cost to make repairs.

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Find the Best Rapid City Home Insurance

Independent insurance agents make it easier than ever to find affordable home insurance you can count on. Your agent will take time to answer your questions, compare prices from multiple companies and match you with a plan that gives you peace of mind that your home is well-protected.

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Agents in Rapid City are ready to help.

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69

Rapid City residents have already been helped by one of our agents.

See what others are saying about our Rapid City agents …

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Best in the business! My agent is extremely knowledgeable and always willing to help. I love the fact that I can reach him any time and always get a prompt response from him or his team.Joshua D.
Google Review
This agent was fantastic! She gave us an awesome price on our policy and was super friendly to work with. Thanks again for the great service!Brandon P.
Google Review
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Aberdeen

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$115

PER MONTH

Avg. Aberdeen Homeowners Cost

Home insurance rates in Aberdeen can vary from one home to the next. Your actual cost will depend on factors like the size of your home, your credit score and any high-risk factors like a pool or trampoline.

Common Homeowners Claim in Aberdeen

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Wind Damage
wind

 

Aberdeen's gusty winds and occasional tornadoes can do serious damage to local homes. If your roof is damaged by winds or you end up with broken windows, you can file a claim with your homeowners insurance provider and receive compensation to repair the damage.

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Find the Best Aberdeen Home Insurance

To get the best protection for your home, enlist the help of an independent agent who is free to shop rates from multiple companies. Your agent will help you assess your home's biggest risk factors and choose a plan that offers reliable protection against the most concerning threats.

See what others are saying about our Aberdeen agents …

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It's unexpected to have such a high level of care from every person in every position in the office, and I always recommended this agency and its people when I hear that someone I know is shopping for insurance.Hope L.
Google Review
If you're looking for great service and customized insurance, come see my agent. He will get you set up with something that works for your budget and auto needs in no time!Jodi C.
Google Review
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Brookings

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$123

PER MONTH

Avg. Brookings Homeowners Cost

Your home insurance could be less or more, depending on the crime in your area, the size of your home, your credit score and several other variables.

Common Homeowners Claim in Brookings

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Water Damage
water damage

 

You walk into the kitchen to start cooking dinner and discover that the floor is covered in water. A burst pipe under the sink has created a major flood, and now you have serious damage to your flooring. Water damage is definitely frustrating, but sometimes it's unavoidable. A home insurance policy can help cover the costs of repairs.

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Find the Best Brookings Home Insurance

As you shop for the best Brookings home insurance, choose an independent agent who can help you compare rates from multiple companies. Because independent agents aren't locked in to one carrier, they can provide more options and the lowest rates on homeowners coverage in your area.

See what others are saying about our Brookings agents …

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I've been very satisfied with how this agency has handled my health and car insurance. I'd definitely recommend their services to my friends and family.Ralph H.
Google Review
We used a different insurance company many years ago and this agency went above and beyond what they did. They worked it all out for us and did a great job. I had a great experience working with the staff, and I'd highly recommend their services to anyone I know.Andy C.
Google Review
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Watertown

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$121

PER MONTH

Avg. Watertown Homeowners Cost

Your actual cost for home insurance could be more or less than this average. It all depends on your ZIP code, the local crime rate, your previous claims and even your credit score.

Common Homeowners Claim in Watertown

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Hail Damage
hail

When severe thunderstorms roll through Watertown, residents sometimes report large hail that can do serious damage to homes. If your home gets caught in the path of the storm, you can have peace of mind because your homeowners insurance plan helps cover hail damage.

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Find the Best Watertown Home Insurance

Independent insurance agents make it simple to find budget-friendly home insurance options. Your agent will take time to answer your questions, help you compare rates and help you choose a plan that is right for your home.

See what others are saying about our Watertown agents …

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The customer service is very friendly, and the agents have a wide range of knowledge. The agents have a great response time and have been able to assist with any questions that I have had. Heidi S.
Google Review
This Watertown agency offers many plan options along with great coverage at a reasonable cost. I have recommended this agency to many of my friends and family!Miranda L.
Google Review
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Mitchell

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$117

PER MONTH

Avg. Mitchell Homeowners Cost

Your actual home insurance rate could be less or more, depending on the size and location of your home, your credit score and your previous claims.

Common Homeowners Claim in Mitchell

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Lightning Damage
lightning

 

Lightning can cause serious fires, so every homeowner in Mitchell has to consider this very real threat. If lightning hits your home, you can file a claim with your home insurance provider and get the money you need to make repairs.

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Find the Best Mitchell Home Insurance

Independent agents work on your behalf to make sure you find the best homeowners insurance for your unique needs. Your agent will shop rates from multiple companies, matching you with budget-friendly coverage that protects against the most worrisome threats to homes in Mitchell.

See what others are saying about our Mitchell agents …

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My agent and his staff offer exemplary service. Whether calling to check on rates or calling from the side of the road after an accident I have always received great care. The staff knows its customers by name and treat every question as important.Tim Y.
Google Review
I've had my agent for as long as I have lived in South Dakota. Even when I first moved to the area, she worked with me and always provided incredible customer service. When I ran into problems with my insurance, she gave 110%.Joan F.
Google Review
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Yankton

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$120

PER MONTH

Avg. Yankton Homeowners Cost

Your personalized premium will be based on factors like your home's square footage, the crime in your area, your credit score and a handful of other factors.

Common Homeowners Claim in Yankton

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Wind Damage
wind

 

Tornadoes are fairly common across South Dakota, and Yankton is no exception. If a tornado touches down in your neighborhood, the wind damage can be severe. Your home insurance plan is designed to protect you from this risk, stepping in to help cover the cost of repairs if your home is damaged during a storm.

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Find the Best Yankton Home Insurance

If you're searching for reliable homeowners insurance that won't break the bank, independent insurance agents can help. An independent agent is free to shop rates from multiple providers, giving you more options and the best rates on coverage for your home.

See what others are saying about our Yankton agents …

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This is an amazing company to be involved with! Love working with their people every time I have questions.Jan S.
Google Review
The auto insurance I received from this agency was so affordable! My agent explained everything, and now I feel comfortable knowing I'm protected on the road.Sandie J.
Google Review
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Pierre

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$118

PER MONTH

Avg. Pierre Homeowners Cost

Several factors will influence your rate on home insurance. Having high risk variables like a swimming pool, trampolines or aggressive dog breed might cause a slight increase in your rate.

Common Homeowners Claim in Pierre

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Water Damage
water damage

 

Imagine that a tree falls on your roof, causing rainwater to seep through your attic and into your living room. By the time the rain stops, you've got serious water damage to contend with in your home. Your home insurance policy covers the cost of repairs associated with water damage, so you can file a claim and let your policy go to work on your behalf.

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Find the Best Pierre Home Insurance

Instead of buying insurance directly from a specific company, use an independent agent to compare rates from multiple carriers. Independent agents represent you and make sure you get the best home insurance for your unique needs.

See what others are saying about our Pierre agents …

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My agent and his staff were very knowledgeable, professional and detail-oriented to our insurance coverage. He was very informative and even suggested coverage that was best suited to our insurance needs.Jeff I.
Online Review
We have never been left hanging with unanswered or partially answered questions. The individual attention we received was above and beyond. We felt very comfortable with my agent the minute we walked into her office.Terri B.
Google Review
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Huron

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$114

PER MONTH

Avg. Huron Homeowners Cost

Home insurance rates can vary from one home to the next. Your actual cost will depend on factors like the size and location of your home, your credit score and the crime rate in your neighborhood.

Common Homeowners Claim in Huron

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Fire Damage
fire

 

Whether the fire begins from an electrical problem or a spreading wildfire, the damage is almost always significant. Homeowners insurance is designed to protect you in case your house is damaged or destroyed in a fire. You can file a claim and let your insurance company help you cover the repairs.

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Find the Best Huron Home Insurance

In your search for the best Huron homeowners insurance, look for an independent agent to help. Your agent will help you compare rates from multiple providers and help you choose a plan that will best protect your home.

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Agents in Huron are ready to help.

2

Huron residents have already been helped by one of our agents.

See what others are saying about our Huron agents …

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The entire claim process was easy. My agent and his team were super helpful and accommodating. We have car, life and homeowners coverage with them and would highly recommend them to anyone looking for an agent that cares.John K.
Online Review
Incredible service! Caring staff and agent. I recommend everyone to stop in and get an insurance quote.Huron Resident
Online Review
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Vermillion

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$115

PER MONTH

Avg. Vermillion Homeowners Cost

Your home insurance could be less or more, depending on factors like the crime in your neighborhood, the size of your home, your home's building materials and your credit score.

Common Homeowners Claim in Vermillion

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Water Damage
water damage

 

If temperatures suddenly drop causing frozen pipes, you could end up with serious water damage. When this happens, you can count on your Vermillion homeowners insurance to step in and help pay to repair the damage.

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Find the Best Vermillion Home Insurance

When you buy home insurance directly from a carrier, you'll be locked in to a handful of options at predetermined rates. Instead, choose an independent agent to help you shop rates from multiple companies and help you choose the policy that will best protect your home at an affordable rate.

See what others are saying about our Vermillion agents …

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Excellent service from my agent and everyone in the office. My calls and emails with change requests, questions, and advice are always handled in a professional and friendly way. Vermillion Resident
Online Review
What a great agency! Not only is it conveniently located for me, but the service is so personal. It's like my family is part of theirs.Kelsey H.
Online Review
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28th highest
 
 
How Much Does Home Insurance Cost
by South Dakota City?
dividers

Sioux Falls
$1,336 per year


Rapid City
$1,534 per year


Aberdeen
$1,389 per year


Brookings
$1,476 per year


Watertown
$1,452 per year


Mitchell
$1,413 per year


Yankton
$1,449 per year


Pierre
$1,416 per year


Huron
$1,379 per year


Vermillion
$1,386 per year


Spearfish
$1,632 per year


Brandon
$1,412 per year


Box Elder
$1,597 per year


Sturgis
$1,680 per year


Madison
$1,496 per year


Belle Fourche
$1,681 per year


Harrisburg
$1,539 per year


Tea
$1,412 per year


Hot Springs
$1,645 per year


Dell Rapids
$1,540 per year


Mobridge
$1,431 per year


Milbank
$1,466 per year


Lead
$1,509 per year


Canton
$1,413 per year


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