Homeowners Insurance South Dakota: Finding the best Rates
South Dakota Homeowners Insurance
According to some sources, South Dakota ranks #1 in the U.S. as the least stressed state. If that’s true…don’t sink their rankings by stressing about Homeowners Insurance rates…let A Plus Insurance help you!
- South Dakota Homeowners Insurance
- Bundling Options With Homeowners Insurance In South Dakota
- Which Companies Offer Homeowners In South Dakota?
- Rating Factors For 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
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.
| 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 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!
| 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.
| 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 |
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.
| Water Damage |
| Other Weather related |
| Power surge |
| Wind |
| Hail |
| Loss of Use |
| Theft |
| Vandalism |
| Injuries |
| Fire |
| Lightning |
Additional Helpful Links
| Best Auto Insurance in Arizona |
| Best Insurance in Elgin |
| Cheapest Auto Insurance in Spartanburg |
Last Updated on by Shawn Christie