Homeowners Insurance in South Dakota

Finding homeowners insurance shouldn't be complicated. Compare rates from South Dakota by city and carrier below.

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How to find inexpensive insurance for your home in South Dakota

Home insurance is an optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. A homeowners insurance policy protects your dwelling, attached buildings, and personal property from a number of circumstances, including wind damage, fire, theft, vandalism, and more.

Unlike auto insurance, homeowners policies aren’t priced based on state laws. Even so, large gulfs exist in home insurance costs on a state-by-state basis. Home insurance prices in a given state may differ based on the frequency of — and value of — home policy claims made in that state, and also on the value of the belongings and home insured on the policy.

The best way to get an affordable homeowners insurance policy in South Dakota is to compare rates from as many insurance companies as possible. Get an idea of homeowners insurance costs in South Dakota by reviewing the below data. Your rates may vary, depending on your coverage details.

South Dakota homeowners insurance:
  1. By insurance company
  2. Rates by city
  3. Bundling discounts
  4. FAQs

Homeowners insurance prices in South Dakota by company

Home insurance prices in South Dakota differ depending on the insurer you use. AAA sells the cheapest homeowners policies in South Dakota, at just $1,005 each year. This beats the state average rate of $2,288, providing a $1,283 price cut on average statewide homeowners insurance costs.

Start searching for home insurance by checking out the cheapest South Dakota insurance companies, listed below.

CompanyAverage Yearly Rate in South Dakota
North Star$1,701.40
State Farm$2,104.25

South Dakota home insurance costs: by city

Not all South Dakota cities have equal homeowners insurance rates. Pricing may depend on city-specific variables like the number of homeowners claims filed nearby, meaning your ZIP code could have a major impact on how much you pay.

The most affordable home insurance in South Dakota is found in Brandon. The average homeowners insurance policy in Brandon runs only $1,978 per year — $310 less than the state average. Reference the below table to see the cheapest cities in South Dakota for home insurance.

CityAverage Annual Home Insurance Rate

Home and auto insurance bundles in South Dakota

If you want to save on insurance, consider carrying your home and auto policies with the same insurance company. A home and car insurance bundle in South Dakota can save you a substantial sum each month on auto insurance. Bundling home and auto policies in South Dakota leads to an average annual savings of $199.

Avg. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %

One of the best ways to save on auto insurance is to bundle your policies. Find a policy today!

South Dakota homeowners insurance FAQs

Is homeowners insurance required in South Dakota?

The state of South Dakota does not require that you buy homeowners insurance, though many mortgage lenders are likely to require that you carry it as a part of your lending agreement.

Does GEICO offer home insurance in South Dakota?

Yes - GEICO provides homeowners insurance in the state of South Dakota.

Homeowners insurance and hail in South Dakota

Depending on where you live, hail could be a common complement to stormy weather conditions and can cause varying levels of damage to your property. In South Dakota, home insurance policies typically come with hail coverage that covers the structure of your home if it is damaged by hail.

However, if you reside in a place that is very susceptible to hail forecasts — such as South Dakota, which suffered 309 incidents of hail in 2018* — it’s crucial to verify the details of your homeowners policy to see what's covered and what's not — some insurance companies charge more expensive deductibles for hail-prone regions and make exclusions for cosmetic damage, so if your home is damaged but still functionally sound even if it has aesthetic impairments after a hailstorm, your insurance provider will probably refuse to cover the expenses to repair it.

*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-hail)

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