South Dakota Home Owners Insurance

South Dakota

South Dakota Home Owners 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 homeowners insurance with them?! Yes! and that is a great way to save you money!

Boat
Life
ATV
Umbrella
Health
RV
Motorcycle
Business
Auto

Which Companies Offer Homeowners In South Dakota?

Not all insurance companies offer Homeowners insurance. Did you just purchase a home in South Dakota and are in need of homeowners? Check out some of the companies below.

CompanyHome Owners Offered
American Familyyes
Progressiveyes
Auto-Ownersyes
USAAyes
American Internationalyes
Chubbyes
Allstate Corp.yes
Nationwideyes
State Farmyes
Hartfordyes
Liberty Mutualyes
Farmers Insuranceyes
MetLife Inc.yes

Rating Factors For Homeowners Insurance In South Dakota

When getting a homeowners quote, you will be asked multiple questions. Those are going to be deciding factors to determine your rate. Listed below are just a few.

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

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!

CompanyRank
Hartford1
Nationwide2
American Family3
Farmers Insurance4
American International5
Allstate Corp.6
Chubb7
MetLife Inc.8
Auto-Owners9

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.

CompanyHomeowners ($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 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.

CityPrice
LemmonUSAA
Belle FourcheFarmers
KyleState Farm
VermillionProgressive
FreemanChub
De SmetFarmers
Fort PierreTravelers
North SpearfishFarmers
WatertownAmerican Family
Groton and WebsterUSAA
Hot SpringsLiberty Mutual
Eagle ButteLiberty Mutual
CusterFarmers
AberdeenProgressive (ASI)
Dakota DunesNationWide
WorthingFarmers
RosebudTravelers
GettysburgLiberty Mutual
WinnerFarmers
BrookingsState Farm
VolgaAmica
Elk PointFarmers
PorcupineLiberty Mutual
Sioux FallsTravelers
PlatteFarmers
ArlingtonAllstate
Tyndall and GarretsonChub
WagnerFarmers
SissetonProgressive (ASI)
TeaProgressive
BrittonTravelers
GregoryTravelers
LennoxAllstate
HartfordNationWide
RedfieldLiberty Mutual
Green ValleyAllstate
Colonial Pine HillsAllstate
BlackhawkUSAA
YanktonProgressive (ASI)
Fort ThompsonAllstate
SpearfishAmerican Family
ClarkTravelers
SpringfieldProgressive
PierreUSAA
BalticProgressive
ChamberlainProgressive (ASI)
Dell RapidsChub
North Sioux CityProgressive
SturgisProgressive
SalemNationWide
MilbankLiberty Mutual
Box ElderNationWide
WhitewoodTravelers

Home owners Insurance FAQ’s in South Dakota

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Average Cost for Homeowners Insurance In South Dakota (by city)

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.

CityPrice
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

Discounts Available For Homeowners Insurance In South Dakota?

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.

Bundling Multiple Polices
Gated comunity
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

What does homeowners insurance cover in South Dakota?

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Most Common Causes For Homeowners Loss And Claims (nationwide)

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.

Water Damage
Other Weather related
Power surge
Wind
Hail
Loss of Use
Theft
Vandalism
Injuries
Fire
Lightning
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Last Updated on October 31, 2021 by Shawn Christie

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