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South Dakota homeowners insurance

South Dakota homeowners insurance

From Mount Rushmore to the Badlands National Park, South Dakota’s landmarks draw visitors and renown in equal measure. And for those who’ve made their homes here, access to the outdoor adventures these places provide is just one of the many reasons Mount Rushmore State is such a great place to live. Whether you’ve settled down in Sioux Falls, Rapid City, or out in the expansive rural countryside, you’ll want to make sure your home is protected for the long run. Keep it safe with flexible, reliable homeowners insurance from Nationwide.

Explore homeowners insurance coverage options in South Dakota and protect yourself and the things that matter most, all while finding new ways to save.

South Dakota homeowners coverages and discounts

What we can cover

Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.

Brand New Belongings®

Repair or replace your covered possessions, regardless of age or condition.

Homeowners insurance discounts

Making your policy more affordable.

Bundle your insurance policies and save money

Want to save even more? You can save up to 20 percent when you bundle your home and auto insurance with Nationwide. That’s more money for your next home improvement project or to help save up for that RV you’ve wanted to travel the countryside in. You can also bundle other coverages such as boat and auto, multicar, and auto, home and life insurance. Get all the coverage you need in one place and save more of your money to enjoy everything South Dakota has to offer.

What factors go into determining a homeowners insurance rate?

While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:

Location

Location includes the state, ZIP code, and claims history of the area.

Construction

The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.

Age of the house

How new or old the house is, and the upgrades that were made to an older home.

Replacement cost

The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.

Swimming pool

Owning a swimming pool may increase your liability coverage to cover possible injuries.

Home-based business

If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.

Find Nationwide Insurance near you in South Dakota

Get a free quote from Nationwide

Online

Get a free, customized homeowners insurance quote online.

Call

Give us a call to get your free homeowners insurance quote.

Find an Agent

Find a Nationwide Insurance agent near you in South Dakota.

Get homeowners insurance review

Nationwide coverage in South Dakota

Auto insurance

Renters insurance

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[1] Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.

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Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Nationwide Funds and NVIT Funds distributed by Nationwide Fund Distributors LLC (NFD), member FINRA, Columbus, Ohio. Nationwide Investment Services Corporation, member FINRA, Columbus, OH. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © Nationwide Mutual Insurance Company.

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