Homeowner insurance coverage in South Dakota is among the lowest annual premiums in the country for a condo, house, or mobile home. Average insurance rates cost between $628 and $734.

Acquiring homeowner insurance is a must for South Dakota residents, considering that the state experiences occasional tornadoes and blizzards during winter.

There are three categories of coverage in homeowner insurance in South Dakota. These are:

· Actual Cash Value:  Covers the home and/or personal possessions, taking into account depreciation.

· Replacement Cost:  Provides the same coverage as Actual Cash Value but without taking into account depreciation.

· Guaranteed Replacement Cost:  The most expensive type of coverage, it assures the homeowner of 100% the coast of rebuilding his or her home to its exact condition prior to the disaster.

The four types of insurance coverage that comprise South Dakota homeowner insurance are the following:

· Construction of the home:  Provides protection for the home and detached structures such as sheds and garages

· Personal Property Coverage: Provides protection for personal belongings. Coverage is usually half the insured value of the home. So, if the home is covered for $200,000, personal property coverage is $100,000

· Liability Coverage:  Protects against lawsuits and claims resulting from bodily injury or property damage to someone else. This also includes payments for medical expenses of the injured party.

· Additional Living Expense:  Provides the necessary funds for apartment rental, food or clothing when the homeowner and his/her family are forced out of their home due to rebuilding or repairs

One unique characteristic of South Dakota is the large number of farms in the state (approximately 31,300 farms based on the 2007 statistics of the U.S. Department of Agriculture).

This makes Farm and Ranch Insurance Coverage a priority for these particular homeowners. It is best to inquire with the insurance provider on the exact coverage of the policy. While most farm and ranch insurance coverage includes the homeowner’s dwelling, personal belongings, and farm/ranch property (including barns and similar structures, farm machinery, and livestock), other insurance companies offer this coverage as an extension to the basic homeowner policy.

Standard homeowner insurance policy in South Dakota covers the following perils:

·Fire and/or smoke


·Windstorm, including hurricanes and tornadoes



·Theft and/or vandalism

·Falling objects

·Weight of ice, snow or sleet

·Freezing of plumbing, heating, air conditioning or other household systems

·Riot or civil commotion

What are definitely excluded from the basic homeowner insurance in South Dakota is floods resulting from natural calamities or from the overflowing of rivers. For inquiries on how to purchase flood insurance, it is best to contact the South Dakota Office of Emergency Management. The office administers the state’s National Flood Insurance Program in partnership with the Federal Emergency Management Agency (FEMA).

For residents who value their investment in their homes, farms and personal property, homeowner insurance in South Dakota would give them the reassurance that their homes and belongings could be rebuilt or replaced.


Find  homeowner insurance rates in each of these South Dakota cities and counties:

Aberdeen – Brookings – Huron – Madison – Mitchell – Pierre – Rapid City – Rapid Valley – Sioux Falls – Spearfish – Sturgis – Vermillion – Watertown – Yankton – Aurora County – Beadle  – Bennett  – Bon Homme  – Brookings  – Brown  – Brule  – Buffalo  – Butte County – Campbell  – Charles Mix – Clark County – Clay  – Codington  – Corson  – Custer – Davison  – Day County – Deuel  – Dewey County – Douglas  – Edmunds  – Fall River County – Faulk County – Grant County – Gregory County – Haakon County – Hamlin – Hand  – Hanson County – Harding  – Hughes – Hutchinson County – Hyde  – Jackson  – Jerauld  – Jones  – Kingsbury – Lake  – Lawrence  – Lincoln County – Lyman County – Marshall  – McCook  – McPherson  – Meade County – Mellette County – Miner County – Minnehaha  – Moody  – Pennington County – Perkins  – Potter  – Roberts County – Sanborn  – Shannon  – Spink – Stanley  – Sully  – Todd  – Tripp  – Turner County – Union  – Walworth  – Yankton County

Homeowner insurance in South Dakota provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on home owner insurance in South Dakota above.

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