- Bundling Options With Homeowners Insurance In South Dakota
- Which Companies Offer Homeowners In South Dakota?
- Rating Factors For Homeowners Insurance In South Dakota
- How much is homeowners insurance in South Dakota?
- Who Has The Lowest Price On Homeowners In South Dakota?
- Homeowners Insurance Rates By Company In South Dakota
- Cheapest Homeowners Insurance (By City) In South Dakota
- Average Cost for Homeowners Insurance In South Dakota (By City)
- Discounts Available For Homeowners Insurance In South Dakota?
- Most Common Causes For Homeowners Loss And Claims (Nationwide)
- Additional Helpful Links
- FAQs About South Dakota Homeowners Insurance at A Plus Insurance
- What We Do at A Plus Insurance
Bundling Options With Homeowners Insurance In South Dakota
If you have a boat, an RV, life insurance, etc. did you know you could bundle your South Dakota homeowners insurance with them?! Yes! and that is a great way to save you money!
| Policy Bundling Options |
|---|
| Boat |
| Life |
| ATV |
| Umbrella |
| Health |
| RV |
| Motorcycle |
| Business |
| Auto |
Which Companies Offer Homeowners In South Dakota?
Not all insurance companies offer Homeowners insurance in SD. Did you just purchase a home in South Dakota and are in need of homeowners? Check out some of the companies below.
| Company | Homeowners Offered |
|---|---|
| American Family | yes |
| Progressive | yes |
| Auto-Owners | yes |
| USAA | yes |
| American International | yes |
| Chubb | yes |
| Allstate Corp. | yes |
| Nationwide | yes |
| State Farm | yes |
| Hartford | yes |
| Liberty Mutual | yes |
| Farmers Insurance | yes |
| MetLife Inc. | yes |
Rating Factors For Homeowners Insurance In South Dakota
When getting a South Dakota homeowners insurance quote, you will be asked multiple questions. Those are going to be deciding factors to determine your rate. Listed below are just a few.
| Homeowners Rating Factors |
|---|
| Upgrades to Wiring plumbing |
| Wood-burning stoves |
| Insurance score |
| Credit history |
| Home liability limits |
| Deductible |
| Swimming pool or hot tub |
| Marital status |
| Protection Class Proximity to fire station |
| Home-based business |
| Value of home Replacement cost |
How much is homeowners insurance in South Dakota?
When considering purchasing South Dakota homeowners insurance, it’s essential to understand the factors that influence the cost. On average, homeowners insurance premiums in South Dakota are relatively affordable compared to national averages. The average annual premium for homeowners insurance in the state is approximately $1,200. However, several factors can affect your specific rate, including the location of your home, its age, construction materials, and the coverage options you choose. To ensure you’re getting the best rate, it’s crucial to shop around and compare quotes from multiple insurance companies. Here’s a comparison of average annual premiums from some of the top insurers in South Dakota:
- Progressive: $1,300
- Allstate: $1,250
- National General: $1,350
These rates are just estimates and may vary based on individual circumstances and coverage needs. By exploring your options and leveraging available discounts, you can find affordable South Dakota homeowners insurance that provides adequate protection for your property.
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Who Has The Lowest Price On Homeowners In South Dakota?
Shopping for homeowners in South Dakota? We listed 9 companies below that rank for the lowest prices for homeowners insurance in South Dakota!
| Company | Rank |
|---|---|
| Hartford | 1 |
| Nationwide | 2 |
| American Family | 3 |
| Farmers Insurance | 4 |
| American International | 5 |
| Allstate Corp. | 6 |
| Chubb | 7 |
| MetLife Inc. | 8 |
| Auto-Owners | 9 |
Homeowners Insurance Rates By Company In South Dakota
Want to know who has the best rates for homeowners insurance in South Dakota? Below are a few companies that offer it and their average rates.
| Company | Homeowners ($250,000) |
|---|---|
| Hartford Financial Services | $1,307 |
| Auto-Owners Insurance | $1,317 |
| Farmers Insurance Group | $1,530 |
| Liberty Mutual | $1,471 |
| American Family Insurance | $1,300 |
| Allstate | $1,359 |
| USAA | $1,328 |
| MetLife Inc. | $1,358 |
| American International | $1,436 |
| Travelers Companies Inc. | $1,321 |
| Chubb | $1,449 |
| Progressive | $1,369 |
| State Farm | $1,533 |
| Erie Insurance | $1,417 |
| Nationwide Mutual | $1,303 |
Cheapest Homeowners Insurance (By City) In South Dakota
South Dakota Homeowners Insurance-South Dakota has quite a bit of cities! If you are looking for homeowners in the state, each city will vary in rates. Check out the companies below with each city.
| City | Price |
|---|---|
| Lemmon | USAA |
| Belle Fourche | Farmers |
| Kyle | State Farm |
| Vermillion | Progressive |
| Freeman | Chub |
| De Smet | Farmers |
| Fort Pierre | Travelers |
| North Spearfish | Farmers |
| Watertown | American Family |
| Groton and Webster | USAA |
| Hot Springs | Liberty Mutual |
| Eagle Butte | Liberty Mutual |
| Custer | Farmers |
| Aberdeen | Progressive (ASI) |
| Dakota Dunes | NationWide |
| Worthing | Farmers |
| Rosebud | Travelers |
| Gettysburg | Liberty Mutual |
| Winner | Farmers |
| Brookings | State Farm |
| Volga | Amica |
| Elk Point | Farmers |
| Porcupine | Liberty Mutual |
| Sioux Falls | Travelers |
| Platte | Farmers |
| Arlington | Allstate |
| Tyndall and Garretson | Chub |
| Wagner | Farmers |
| Sisseton | Progressive (ASI) |
| Tea | Progressive |
| Britton | Travelers |
| Gregory | Travelers |
| Lennox | Allstate |
| Hartford | NationWide |
| Redfield | Liberty Mutual |
| Green Valley | Allstate |
| Colonial Pine Hills | Allstate |
| Blackhawk | USAA |
| Yankton | Progressive (ASI) |
| Fort Thompson | Allstate |
| Spearfish | American Family |
| Clark | Travelers |
| Springfield | Progressive |
| Pierre | USAA |
| Baltic | Progressive |
| Chamberlain | Progressive (ASI) |
| Dell Rapids | Chub |
| North Sioux City | Progressive |
| Sturgis | Progressive |
| Salem | NationWide |
| Milbank | Liberty Mutual |
| Box Elder | NationWide |
| Whitewood | Travelers |
Average Cost for Homeowners Insurance In South Dakota (By City)
South Dakota Homeowners Insurance-Rates can look different for each person depending on the city, state and company. Here are some cities in South Dakota and example rates for homeowners Insurance.
| City | Price |
|---|---|
| Fort Thompson | $1,263.00 |
| Baltic | $1,299.00 |
| Milbank | $1,298.00 |
| Gregory | $1,408.00 |
| Lemmon | $1,312.00 |
| Porcupine | $1,373.00 |
| Brookings | $1,221.00 |
| North Eagle Butte | $1,329.00 |
| Wagner | $1,168.00 |
| Sturgis | $1,118.00 |
| Box Elder | $1,319.00 |
| Sisseton | $1,285.00 |
| Lennox | $1,217.00 |
| Brandon | $1,296.00 |
| Rosebud | $1,363.00 |
| Worthing | $1,153.00 |
| Chamberlain | $1,212.00 |
| Canton | $1,112.00 |
| Blackhawk | $1,256.00 |
| Harrisburg | $1,326.00 |
| Green Valley | $1,327.00 |
| Salem | $1,222.00 |
| Belle Fourche | $1,362.00 |
| Aberdeen | $1,418.00 |
| Madison | $1,388.00 |
| Mission | $1,211.00 |
| Rapid Valley | $1,310.00 |
| Mitchell | $1,164.00 |
| Dakota Dunes | $1,317.00 |
| Custer | $1,276.00 |
| Watertown | $1,335.00 |
| Pine Ridge | $1,243.00 |
| Rapid City | $1,330.00 |
| Flandreau | $1,235.00 |
| Britton | $1,284.00 |
| Gettysburg | $1,202.00 |
| Spearfish | $1,125.00 |
| Vermillion | $1,253.00 |
| Pierre | $1,125.00 |
| Hot Springs | $1,371.00 |
| Arlington | $1,236.00 |
| Volga | $1,206.00 |
| Crooks | $1,122.00 |
| Mobridge | $1,213.00 |
| Yankton | $1,180.00 |
| Tea | $1,302.00 |
| North Sioux City | $1,247.00 |
| Lead | $1,194.00 |
| Sioux Falls | $1,209.00 |
| Whitewood | $1,342.00 |
| Miller | $1,421.00 |
| Tyndall and Garretson | $1,423.00 |
| Redfield | $1,200.00 |
| Winner | $1,345.00 |
| Groton and Webster | $1,390.00 |
THINGS TO REMEMBER IF YOU ARE A HOMEOWNER!
Discounts Available For Homeowners Insurance In South Dakota?
South Dakota Homeowners Insurance-There are many ways with each company to save money on your homeowners insurance policy! Below are just a few ways to get some discounts.
| Available Discounts for Homeowners |
|---|
| Bundling Multiple Polices |
| Gated community |
| Loyalty |
| Home monitoring / Burglar |
| New home discount |
| Upgraded roof |
| Auto water shut off or leak detection |
| EFT |
| Hail resistant roofing |
| Non-smoking discount |
| Smoke detector (monitored) |
| Married discount |
Most Common Causes For Homeowners Loss And Claims (Nationwide)
South Dakota Homeowners Insurance-Along with many ways to save on your homeowners insurance, there are also many ways that can cause a loss to your home! Check out some of the common causes for those.
| Loss and Claims Causes |
|---|
| Water Damage |
| Other Weather related |
| Power surge |
| Wind |
| Hail |
| Loss of Use |
| Theft |
| Vandalism |
| Injuries |
| Fire |
| Lightning |
Additional Helpful Links
| Additional South Dakota Insurance |
|---|
| Auto Insurance | South Dakota |
| Liability Insurance | South Dakota |
| Full Coverage Insurance | South Dakota |
| SR22 Insurance | South Dakota |
FAQs About South Dakota Homeowners Insurance at A Plus Insurance
What does South Dakota homeowners insurance typically cover?
South Dakota homeowners insurance typically covers the structure of your home, personal belongings, liability protection, and additional living expenses in case your home becomes uninhabitable. To learn more about coverage options and get a free quote, contact our office at 888-445-2793.
How can I save on South Dakota homeowners insurance?
You can save on South Dakota homeowners insurance by bundling policies, installing safety features in your home, maintaining a good credit score, and exploring available discounts. Our agents at A Plus Insurance can help you find cost-saving options. Contact our office at 888-445-2793 for personalized guidance.
Why choose A Plus Insurance for South Dakota homeowners insurance?
A Plus Insurance is your trusted source for South Dakota homeowners insurance. We work with multiple insurance providers to offer you competitive rates and tailored coverage. Contact our office at 888-445-2793 to discuss your homeowners insurance needs and receive a free quote.
What to avoid with homeowners insurance?
When it comes to homeowners insurance, it’s essential to avoid underinsuring your property, neglecting regular policy reviews, failing to report changes in your home’s condition, and not considering additional coverage for valuable items. A Plus Insurance can provide guidance on avoiding these pitfalls and ensuring you have the right coverage for your home. Contact our office at 888-445-2793 for expert advice.
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Marlon Moss