Heavily wooded areas attract wildfires which spread quickly

Severe weather and weather-related events, including flooding, and wildfires, are not uncommon in South Dakota. South Dakota homeowners should consider purchasing home insurance for protection against unforeseen and unpredictable events.

How Much Does South Dakota Home Insurance Cost?

According to the Insurance Information Institute, in 2010, the average annual premium for homeowners insurance in South Dakota was $678. The level of coverage you select, as well as your deductible, will affect the cost of your insurance. Other factors such as the age, condition, and geographic location of your home can affect your rate.

The size of the home, as well as the materials it is made of, affects the price as well. A large home means there is more to insure, and a house with siding and roofing made of wood will have higher premiums because they are more likely to catch fire. Homes made of brick or other flame-retardant materials have lower premiums.

What Does It Cover?

Home insurance policies in South Dakota protect you against fire, lightning, hail, wind, vehicle, and falling object damage, as well as weight of ice or snow and the freezing of plumbing, heating, and air condition systems. That protection typically extends to all items you own, including furniture, televisions, and other items. Liability insurance is usually, but not always, a part of most standard home insurance policies, and protects you against a potential lawsuit from someone who alleges that he or she suffered bodily injury or property damage due to your negligence.

Do I Have to Get Home Insurance in South Dakota?

Home insurance is not required by law in South Dakota. However, buying insurance can help protect your house and property against damage from unforeseen circumstances, and liability for accidents that injure other people or damage their property. The Independent Insurance Agents of South Dakota has more information for consumers about homeowner’s insurance.

Optional Coverage to Consider

  • Flood. You may want to consider getting flood insurance if you live near any of South Dakota’s waterways, such as the Missouri and James Rivers. South Dakota homeowners should be especially wary of flooding during spring because of increased rainfall. Residents in participating communities can purchase flood insurance through the National Flood Insurance Program (NFIP).
  • Fire and Lightning. Fire and lightning damage is typically covered under most home insurance policies in South Dakota. Since South Dakota’s relatively dry winters can pave the way for wildfires as the weather warms up in the spring, take time to check to make sure that your policy will cover all potential damages to your home or personal property caused by fire or lightning.
  • Windstorm. Although South Dakota is not as prone to tornadoes as other states, there have still been 1,658 tornadoes that have killed 18 people between 1950 and 2010. Most insurance carriers in South Dakota cover windstorm damage as part of a regular home insurance policy. Check your policy to be sure windstorm damage is covered in your insurance plan.

Mobile Home Insurance in South Dakota

Mobile home insurance, also known as manufactured home insurance, typically covers your mobile home and your property within it. Like home insurance in that it covers all furniture, appliances, and other property, as well as liability insurance in case someone is injured in your home. Mobile home insurance also covers weather, vandalism, collision damage, and living expenses if the damage is severe enough to force the owner to temporarily vacate.

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