Popular QuestionsPopular Questions about South Dakota Home Insurance

How much does South Dakota home insurance cost? $1,096

The average American homeowner pays $1,173 per year for home insurance, but in South Dakota, the average annual premium is $1,096. Even though insurance is less expensive for homes in South Dakota, that doesn’t mean you don’t have room for big savings. Let a local independent insurance agent guide you as you purchase your home insurance coverage.

south dakota home insurance cost chart
What does my South Dakota home insurance do for me?

Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, high winds or a burglary, you're covered if you have a suitable South Dakota homeowners insurance policy.

Pays for repairs to your home and your belongings

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

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.

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.
Will I actually use my South Dakota homeowners insurance?

We can’t be 100% certain, but in 2016, insurance companies spent more than $93 million on home insurance claims in South Dakota. That's a lot of unfortunate events happening to South Dakota homeowners.

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." Let’s take a look at how risky South Dakota is compared to the rest of the US.

Crime:

Even though the crime rate in South Dakota is lower than the national average, homeowners still have to be aware of the risk and take steps to secure their property.

  • Average number of burglaries per 1,000 homes in SD: 3.47
  • Average number of burglaries per 1,000 homes in the U.S.: 4.69

Weather:

Severe storms and hurricanes can cause significant damage to area homes. Home insurance can cover the costs associated with many of these risks.

  • Number of federally declared disasters since 1953: 59
  • Most common cause of disasters in the state: Severe Storms
  • Average number of tornados per year in the state: 32.6
  • Amount paid in home insurance claims in 2016: $808,147,000

Home Values:

The estimated cost to rebuild your home will play a large role in how much your home insurance costs. In South Dakota, the average home value is lower than the national average. This can help to keep insurance costs affordable, despite the severe weather risks. 

  • Average home value in SD: $160,700
  • Average home value in the US: $188,900
Are there any independent agents in South Dakota?

Yes! There are currently 219 independent insurance agents in South Dakota who are ready to help. Did you know that independent insurance agents can give you multiple policy options to choose from? That way, you'll receive completely customized coverage that addresses all of your unique insurance needs.

What’s the best insurance company in South Dakota?

An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget. Here are some companies our agents will use in South Dakota: 

stillwater insurance group
state auto insurance companies
Safeco
nationwide

InformationFind the Best Insurance in Your City


Now let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining home insurance costs. One of many factors is location. Crime rates, severe weather events and the overall cost of your home will also factor into how much your home insurance will cost.

How does your city measure up to the national average?

  • National average home insurance cost – $1,173 / year
  • National average burglary rate per 1,000 homes – 4.69
  • National average home value - $188,900


CityAvg. Monthly Cost of Home InsuranceAvg. Yearly Cost of Home InsuranceAvg. Home ValueNumber of Burglaries per 1,000 Homes
Sioux Falls$101$1,215$173,4004.96
Rapid City$106$1,277$177,7006.44
Aberdeen$89$1,062$153,6894.11
Brookings$99$1,193$180,1991.84
Watertown$97$1,165$171,4353.29
Mitchell$85$1,022$143,0645.59
Yankton$80$963$139,7773.91
Pierre$99$1,189$180,6376.04
Huron$61$729$108,7762.90
Vermillion$81$968$145,6932.32
Spearfish$110$1,323$222,3733.76
Brandon$100$1,205$198,3170.40
Box Elder$85$1,019$152,5802.50
Sturgis$92$1,107$167,7111.79
Madison$66$791$120,6072.02
Belle Fourche$72$865$127,2893.33
Harrisburg$96$1,154$188,7431.98
Tea$100$1,202$191,9203.16
Hot Springs$65$761$112,6103.14
Dell Rapids$86$1,034$161,9040.30
Mobridge$53$639$88,4010.58
Milbank$64$767$117,3211.57
Lead$61$737$116,0060.02
Canton$74$889$131,0143.25

Sioux Falls, SD Home Insurance

The average monthly cost of homeowners insurance in Sioux Falls is $101. There are several variables that impact home insurance rates in Sioux Falls. Details like your home's size, age, and value, along with the local crime rate and even your credit score, can all be used by insurance companies to determine your premium. You therefore should not be surprised if your quoted rate is considerably higher or lower than this average.

Sioux Falls home insurance covers you against many of the risks you face as a homeowner in this city. These include weather-related damage, accidental fires, and liability lawsuits. It also covers against property crimes, which is important in this city, where the burglary rate is almost double the state average. If someone breaks into your house while you're out of town and steals your computer, jewelry, and other valuables, you can file a claim with your homeowners insurance to get the money you need to replace the stolen items.

Unlike agents who work directly for specific carriers, independent agents have the freedom to shop for quotes from multiple companies. This means you'll get better rates and have more options as you shop for reliable coverage for your home in Sioux Falls.

Rapid City, SD Home Insurance

The average monthly rate of homeowners insurance in Rapid City is $106. Your specific home insurance premiums could be higher or lower than this average, depending on many factors, including the crime rate in your home's ZIP code, your credit score, and your house’s age, size and value. Comparing rates from multiple carriers helps you be sure that you are not overpaying for your coverage.

Your Rapid City home insurance is designed to cover a variety of risks you may face as a homeowner in this city. It can cover against property crimes, accidental fires, and liability lawsuits. It also covers against severe weather events. For instance, if a severe storm rolls into town and the wind blows a tree over and it smashes your roof, you can file a claim with your home insurance provider and receive money to make repairs. If you have belongings that were destroyed during the event, your insurance can pay to replace those items, too.

Independent insurance agents take the guesswork out of buying home insurance in Rapid City. Your local agent will take time to help you assess your risks, determine appropriate coverage limits, and compare multiple quotes. That way, you can find a policy that gives maximum protection at an affordable rate.

Aberdeen, SD Home Insurance

The average monthly cost of homeowners insurance in Aberdeen is $89. Your actual quoted rates could be significantly less or more than this amount. That is because your costs are calculated by insurers according to many factors, such as the size and age of your house, your credit score, and the amount of coverage you are purchasing. When you take the time to compare rates, you can find the policy that offers the coverage you need at the best price.

Your Aberdeen homeowners insurance policy is designed to cover you against financial losses related to many of the risks you face as a homeowner. These include liability lawsuits, severe weather, fires, and property crimes. For example, if a severe storm, or even a tornado, rolls in and high winds damage your home, it can be quite expensive. Fortunately, your home insurance can provide you with the funds needed to repair your home and replace lost or damaged items.

Independent insurance agents will work on your behalf. They can shop for rates from multiple companies and help you find the best policy at an affordable rate. Your agent will make the process of buying homeowners insurance easy from start to finish. Find an agent near you to learn more.

Brookings, SD Home Insurance

The average monthly cost of homeowners insurance in Brookings is $99. Keep in mind, however, that premiums can vary significantly from one homeowner to the next, so your actual cost could be higher or lower. It all depends on a variety of factors like your home's age and value, the crime rate in your ZIP code and, sometimes, even your credit score. 

Brookings homeowners insurance offers protection against a number of hazards homeowners in this city face. These include such things as severe weather events, liability lawsuits, burglaries, and unexpected accidents in your home. For instance, if the water hose on your dishwasher breaks while you are away from your home, your house can quickly be inundated with water, which can cause serious and expensive damage to your walls, floors, and personal property. Water damage is definitely frustrating, but as long as it is not related to a flood, your homeowners insurance policy can cover the cost to make repairs. You may want to talk to your independent agent about the benefits of adding flood insurance to your policy portfolio.

Independent insurance agents make the search for reliable Brookings home insurance simple. Your agent will obtain quotes from multiple companies and help you find the best and most affordable coverage to protect your finances against South Dakota’s most worrisome threats.

Watertown, SD Home Insurance

The average monthly cost of homeowners insurance in Watertown is $97. Rates vary from one homeowner to the next, so you could end up paying more or less than this average. Your premium will be based on several factors such as the size and age of your home, the crime rate in your ZIP code, your credit score, and the amount of coverage you are purchasing. When you compare rates, you can be sure you are getting your coverage at a competitive price.

Watertown homeowners insurance provides coverage against a number of hazards, including accidental damage. For example, you may forget to turn off the burner on your stove before you leave for work. This could potentially lead to a massive fire in your home. A residential fire can be devastating because it can lead to a total loss of your personal property. Fortunately, homeowners insurance gives you a backup plan. It can cover the costs to rebuild your home, replace your damaged property, and even compensate you for the cost of accommodations for you and your family while your home is uninhabitable.

Instead of buying your home insurance directly from a carrier, choose an independent agent who has the freedom to shop for rates from multiple companies. This can lead to significant savings on your annual premium and help you feel confident that you have the best coverage for your home. Find an agent near you to get started.

Mitchell, SD Home Insurance

The average monthly cost of homeowners insurance in Mitchell is $85. Your rate could be more or less, depending on several factors that are used by insurance companies to assess risk and assign rates. These include such things as your house's size and building materials, the local crime rate, your credit score, and the amount of coverage you are purchasing.

Your Mitchell homeowners insurance covers against many risks that can otherwise lead to excessive financial losses. These include such things as property crimes, accidental fires, liability lawsuits, and severe weather events. For example, if a hailstorm sweeps through the area, dumping large hailstones onto your home, your roof may be severely damaged. Fortunately, homeowners insurance covers hail damage so you can file a claim and get the money you need to repair or replace your roof.

Shopping for homeowners insurance in Mitchell is simple when you have an independent insurance agent on your side. Your local agent can gather quotes from multiple companies and help you compare rates so that you can easily choose the plan that is right for your coverage and budgetary needs.

Yankton, SD Home Insurance

The average monthly cost of homeowners insurance in Yankton is $80. Your actual cost could be considerably higher or lower, depending on factors like your credit score, your previous home insurance claims, and the age, value, and structure of your home. Each insurance company has a proprietary method for calculating rates, so it is worthwhile to compare rates from a few insurers before making a purchase.

While your Yankton home insurance can cover you against such things as property crimes, accidental fires, and liability lawsuits, for residents of this city, the biggest risk comes from severe weather events. Imagine this: One of South Dakota’s tornadoes passes through your area, tearing the roof off your home and causing a tree to fall into your kitchen. When the storm passes, the resultant devastation is a nightmare. Such a scenario can be stressful, but you can at least find some comfort in knowing that your home insurance can pay to rebuild and repair your home and replace your ruined belongings.

Independent insurance agents take the guesswork out of shopping for home insurance. Your local agent will obtain rates from multiple companies and help you choose the plan that offers maximum protection for your house at an affordable price. Find an agent near you to learn more.

Pierre, SD Home Insurance

The average monthly cost of homeowners insurance in Pierre is $99. Keep in mind, however, that your actual premium could be significantly higher or lower than this average. That is because insurance companies use a number of variables to assess risk and assign rates. Your rates may be dependent on several factors such as the size and age of your home, your credit score, your previous home insurance claims, and the amount of coverage you are purchasing.

Your Pierre homeowners insurance policy can cover the costs associated with a number of risks you may face as a resident of this city. It can cover against liability lawsuits, natural as well as accidental fires, and severe weather events. It can also cover against property crimes, which is a real concern here in Pierre where the burglary rate exceeds the state average. If your house has been burglarized, be sure to get a police report as this will be necessary when you file a claim with your homeowners insurance. 

Instead of purchasing your Pierre home insurance from a direct carrier, choose an independent agent who is free to provide quotes from multiple insurance providers. This will give you more options so you can find the most affordable rates in your area without sacrificing on the coverage you need.

Huron, SD Home Insurance

The average monthly cost of homeowners insurance in Huron is $61. Of course, every homeowner will pay a customized premium that is based on their home's unique factors like its age and value, the materials used in its construction, and the crime rate in the ZIP code in which it is located. You can therefore expect your quoted rates to be considerably higher or lower than this average. When you compare rates from multiple insurance companies, you can be sure that the policy you choose comes at the right price.

Huron home insurance can help you protect the investment you have made in your home by covering many of South Dakota’s risks that can lead to expensive losses. For instance, it can cover against property crimes, liability problems, and severe weather events. Storms that bring strong wind, or even tornados, can cause serious damage to local homes. If the wind has resulted in missing shingles on your roof or in fallen trees, you can rely on your homeowners insurance policy to cover the cost of repairs to your home and replacement of lost or damaged property.

Instead of buying insurance directly from a carrier or through an agent who is tied to one particular company, talk to an independent insurance agent. These agents can work for you to obtain and compare quotes from multiple companies. This enables you to find the best policy to fit your budget while also securing ample protection for your home.

Vermillion, SD Home Insurance

The average monthly cost of homeowners insurance in Vermillion is $81. Bear in mind, however, that your actual costs may be significantly less or more than this average. Rates are calculated individually according to several factors such as your home’s age, value, and construction, and your claims and credit history. Each insurer has a different way of determining rates, so it pays to compare a variety of quotes.

Your Vermillion home insurance can cover damage caused by most major weather events as well as liability lawsuits and property crimes. It can also cover against residential fires. A fire in your home can be particularly devastating since if it is not contained quickly, it can potentially lead to the complete loss of your home and all the belongings inside it. Because of this, it is very important for the coverage limits on your home policy to be high enough to handle a total loss. In some cases, particularly valuable items and collections will need a special endorsement, or rider, in order to be fully covered. An independent agent can help you review your coverage limits so that you are sure you are purchasing enough insurance for your Vermillion home.

To get protection for the investment you have made in your home, use an independent insurance agent to find the right policy to meet your coverage and budgetary needs. Your agent will shop for rates from multiple companies to make sure you get the best price for your home insurance coverage. Find an agent near you to get started.