South Dakota Homeowners Insurance Coverage

Whether you own a family home on the east side of Sioux Falls or an updated farmhouse near Belle Fourche, with a Farmers FlexSM Personal Home policy, you can find the quality home insurance coverage you want in South Dakota, with new ways to help you save.

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Is homeowners insurance required in South Dakota?

No, homeowners insurance is not required by law in South Dakota. However, in order to get a home loan, your mortgage lender will likely require you to obtain a certain amount of insurance coverage.

What does homeowners insurance typically cover in South Dakota?

Every policy is different, but home insurance policies in South Dakota typically come with several standard coverages.

  • Dwelling (Coverage A). This coverage helps you pay for damage to your home from a covered event, such as a fire, windstorm, lightning or hail.

  • Other structures (Coverage B). This coverage is intended to help cover structures that aren’t connected to your home, like a fence or shed.

  • Personal property (Coverage C). This coverage helps you repair or replace your personal belongings if they are stolen or damaged.

  • Loss of use, or additional living expense coverage (Coverage D). This coverage can help you pay to stay somewhere else if your home is uninhabitable due to covered damage.

  • Personal liability (Coverage E). This coverage helps pay for accidental property damage or injuries you cause through negligence. 

Typical home insurance policies in South Dakota cover damage caused by events such as:

  • Fire
  • Vandalism and theft
  • Lightning strikes
  • Wind
  • Hail
  • Explosions
  • Falling objects
  • The weight of snow or ice

Flooding is not covered. However, special flood insurance through the National Flood Insurance Program (NFIP) may be available. 

Farmers Flex Personal Home coverage in South Dakota

Beyond the basic coverages, Farmers Flex Personal Home offers a wide range of options that let you customize your policy, such as:

  • Guaranteed Replacement Cost
  • Water Backup and Sump Overflow
  • Emergency Mortgage Assistance
  • Declining Deductibles®
  • Claim Forgiveness

Learn more about Farmers Flex Personal Home policies

How much does homeowners insurance generally cost in South Dakota?

The average premium for home insurance coverage in South Dakota is $1,222 per year1, according to a 2020 report (the most recent data available) by the National Association of Insurance Commissioners (NAIC). Since then, however, insurance premiums in most states have changed. Also, the amount you pay may be different, depending on things like the value and age of your home, how much personal property you want to cover, what deductible you choose and risks specific to your area.

South Dakota home insurance discounts

Farmers® offers a variety of savings opportunities for eligible home insurance customers in South Dakota, including:

  • Welcome Discount
  • Home Buyer Discount
  • Multi-Policy Discount
  • Loyalty Discount
  • Claim Free Discount

See more information and additional discounts that may be available in South Dakota.

Ring-necked Pheasant

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South Dakota’s state bird was introduced from China as a game bird in the 19thth century and continues to be prized by hunters today. — Encyclopedia Britannica

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1 Based on average premium for HO-3 type open perils homeowners policies.