Compare South Dakota home insurance quotes in 5 minutes or less.
South Dakota Home Owner Insurance Quotes
Finding the best homeowners insurance in South Dakota can seem challenging. However, the agents at HomeownersInsurance.com have made it easy. Just complete one quick quote form to get comparative rates on the top home insurance coverage in South Dakota. Our team of licensed agents will help you choose the best policy at the lowest price to make sure your home is protected while keeping it affordable.
In December 2013, average South Dakota homeowners insurance rates were around $0. Average rates have decreased since November 2013, when SD homeowners were paying around $0 for standard home insurance coverage.
It's important to review your policy regularly to make sure you are taking advantage of all available discounts. A HomeownersInsurance.com agent can talk to you about the discounts available and see if you are missing out on important savings. While reviewing your discounts, we will also make sure you are adequately covered.
Check out the quotes below to see our most recent South Dakota homeowners insurance quotes!
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$1,518†||$561†||$489†||$491†||$483†|
|Foundation type||Basement||Basement||Slab||Crawl Space|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Oil||Central Gas||Central Gas|
Standard South Dakota Home Insurance Coverages
Dwelling: A standard South Dakota homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril
Other Structures: Other structures such as detached garages or sheds would also be covered under a standard South Dakota home insurance policy
Contents/Personal Property: A South Dakota home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings.
Loss of Use: If your South Dakota home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home.
Personal Liability Protection: In South Dakota, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property.
Medical Payments: Medical Payments coverage, or South Dakota MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved.
Click on your South Dakota city below to learn more about homeowners insurance in your area:
For additional information about specific South Dakota homeowners insurance laws and regulations, visit the South Dakota Department of Insurance website.