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What type of insurance do you need?
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.
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
Pays for someone else's injuries or property damage when it's your fault
Pays for temporary living expenses when your home is damaged
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.
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.
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.
Severe storms and hurricanes can cause significant damage to area homes. Home insurance can cover the costs associated with many of these risks.
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.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
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