Find an Independent Agent
Find an Insurance Company
What type of insurance do you need?
Get help from one of our South Dakota independent agents
They understand your risks and will find you the coverage you need.
The average rate for South Dakota home insurance is $1,202 per year, making it just below the national figure of $1,211 annually. Each policy is fit to your individual needs and exposures. For exact pricing, get quotes for free through a trusted professional.
Your South Dakota homeowners policy will provide protection against leading losses such as fire, theft, vandalism, severe weather, and natural disasters. Each policy comes with standard coverages for your dwelling, personal property, other structures, liability, medical payments, and additional living expenses. The amount of insurance depends on your specific needs and selection.
In South Dakota, you're not required by law to carry homeowners insurance, though it's usually necessary. If you have a mortgage or lienholder on your property, then you'll be obligated to show proof of coverage. Since 93,309,000 home insurance claims were reported in South Dakota in one year, the right protection could save you big time.
The carriers use various items when calculating your South Dakota home insurance rates. Personal information as well as outside exposures like natural disasters all play a role in your costs. In South Dakota, threats like severe storms (29/per year) and tornadoes (36/per year) add to your home insurance premiums.
Yes, currently South Dakota has 219 independent insurance agencies that can help compare coverage. They do the shopping for free, so you save time and premium dollars.
When it comes to selecting the right insurance company for your home coverage, there's a lot out there. Some of the best carrier options in South Dakota are State Auto, Safeco, Nationwide, and Main Street America insurance companies. These markets are labeled among the top companies because of their competitive pricing, fast service, and excellent coverage offerings.
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,211 year
|City||Annual insurance cost||Avg. home value||Burglaries / 1,000 homes|