Homeowners Insurance South Dakota

Home Insurance in South Dakota

From rolling prairies to the Black Hills National Forest, there’s so much to love and a lot of natural beauty to enjoy in South Dakota. However, living here also has its challenges. Throughout the year, South Dakota homeowners may face issues like tornadoes, severe storms and wildfires. With risks like these, having the right homeowners insurance in South Dakota is essential.

Get the customized seguro de viviendas coverage you need through the AARP^® Homeowners Insurance Program from The Hartford.¹ Since 1984, this program has been helping AARP members protect their homes and properties from damage. The unexpected can strike at any time, and you can count on The Hartford to be there when you need us most.

What Home Insurance Coverages Do I Need in South Dakota?

There are many types of coberturas de seguro de viviendas that come standard with policies through the AARP Homeowners Insurance Program from The Hartford. However, you also have the option to add other coverages to your policy for extra protection.

Standard Homeowners Insurance Coverages

Home insurance coverages that come standard with policies from The Hartford include:

La cobertura de propiedad personal to help cover damages to your personal belongings, like furniture or clothing.
La cobertura de vivienda to help protect your home and its attached structures, such as your house’s heating and cooling systems, walls and roof.
Other structures coverage, which helps protect structures that are not attached to your home, such as a shed or detached garage.
La cobertura por responsabilidad civil for protection against claims alleging you’re responsible for someone else’s injury or property damage.
Loss of use coverage to help pay for your living expenses if you’re temporarily unable to live in your home after it’s damaged by a covered loss.
Medical payments coverage, which helps pay for someone else’s treatment costs if they get hurt on your property, up to policy limits.²

Additional Coverages Recommended for South Dakota Homeowners

The Hartford makes it easy for you to customize your home insurance policy. Some coverages you can add to your policy for more protection are:

Equipment breakdown coverage to help cover your repair or replacement costs if your appliances or electronics break down. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar but more energy efficient or environmentally friendly. Keep in mind that this does not include normal wear and tear.
Valuable items blanket coverage to provide extra coverage for your more expensive items like jewelry, china and silverware. Your homeowners policy may cap coverage for theft on jewelry up to $1,500, whereas The Hartford’s Valuable Items Blanket Coverage can increase the limit to $10,000 per item.

In general, hazard insurance refers to coverage for only your home’s structure. It can help cover damages for many of the hazards South Dakota residents face throughout the year, like windstorms and wildfires.

Remember that standard homeowners insurance policies don’t protect against damage caused by flooding. To stay protected in these situations, you’ll need to purchase a separate seguro contra inundaciones policy.***

South Dakota Homeowners Insurance Laws

Homeowners insurance is not legally required in South Dakota, but it may be required if you have a mortgage on your home.

What Is the Average Cost of Homeowners Insurance in South Dakota?

couple protected by home insurance south dakota

The average cost of homeowners insurance in South Dakota is $2,455 annually or $205 monthly.³ This is higher than the national average cost of $1,759 per year.⁴Keep in mind that insurance costs aren’t the same for everyone, so you may pay more or less than the average. Some factors home insurance companies may look at when figuring out home insurance rates are your:

Lugar
Home’s age
Coverage amounts and limits
Costo de reemplazo
Home’s construction materials

Discounts and Ways To Save on South Dakota Home Insurance

At The Hartford, we make it easy for you to save on your South Dakota homeowners insurance through descuentos para seguro de viviendas. Discounts available through the AARP Homeowners Insurance Program from The Hartford include:

Bundle discount: Get a discount by combining your auto and home policies. When you bundle your insurance with The Hartford, you can save up to 12% on your auto insurance and up to 20% on your home insurance.**
Fire protection: If you install fire protection devices, like sprinkler systems, you can receive a discount.
Home security discount: Adding burglar alarms or home security systems could get you a discount on your home insurance.
Claim-free discount: The longer you’ve been claim-free on your policy, the more you can save.

How To Get Homeowners Insurance in South Dakota

couple getting a quote for home insurance in south dakota

Not all home insurance companies are the same. It’s important to work with an insurance provider you can trust. The Hartford offers the only home insurance program endorsed by AARP. And we’ve consistently earned high ratings for customer and claims service, so you can count on The Hartford to be there when you need us most. To learn more, get a cotización de seguro de viviendas online or call 877-422-2345.