Best Homeowners Insurance in South Dakota

The best home insurance companies in South Dakota are American Family, State Farm, Nationwide, Farmers and Farm Bureau. Nationwide ranks first for coverage options and affordability, while American Family excels in customer service. Compare all our top picks below.

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.

The best home insurance rankings can vary but we've summarized the top picks.

These are the leading home insurance providers in South Dakota.

American Family is our top pick overall due to its lowest complaint index in South Dakota, reasonably affordable rates and good coverage selection. According to J.D. Power, the company also ranked fifth overall in the nation for claims satisfaction, further solidifying its excellent customer service. American Family is also one of the only companies with a diminishing deductible coverage option, which lowers the price you have to pay out of pocket the longer you go without a claim.

While often not the most affordable provider, Nationwide has the lowest rates for both newer and older homes in South Dakota. The company also has one of the most extensive selections of add-ons, with unique options like better roof replacement and new belongings replacement. Standard policies also include credit card fraud protection.

We've developed a step-by-step guide to help you find the best coverage for your needs.

American Family, State Farm and Nationwide are the best-rated homeowners insurance providers in South Dakota. Still, shopping around and reviewing coverage details can help you choose the right insurer for your specific needs.

To simplify your search, we’ve answered key questions about selecting a home insurance provider in South Dakota.

South Dakota homeowners face insurance challenges from severe weather patterns, including hailstorms, tornadoes, and winter blizzards that create frequent claims and drive up premiums across the state. We designed this scoring system to identify which insurers offer the best combination of affordable rates, reliable claims service, and adequate coverage for South Dakota's unique climate risks.

We evaluated companies across three weighted categories that reflect what matters most when you're buying home insurance in South Dakota:

• Affordability (55%): Premium competitiveness across various coverage levels and homeowner profiles, plus available discounts
• Customer Satisfaction (30%): Ratings from Trustpilot, app reviews, and industry sources like J.D. Power covering the buying process, policy management, and claims handling
• Coverage (15%): Number of add-on options, unique features, and availability throughout the state

Why these weights: Home insurance premiums in South Dakota represent a significant ongoing expense, making affordability the dominant factor for homeowners managing household budgets. Customer satisfaction carries substantial weight because you need an insurer that processes hail damage claims efficiently and treats you fairly when severe weather strikes. South Dakota's frequent storm activity means claims handling quality matters more than in states with calmer weather patterns.

Coverage options round out the evaluation because South Dakota homeowners often need endorsements for specific risks like wind and hail deductibles, backup sewer coverage during spring flooding, and equipment breakdown protection for HVAC systems working overtime during extreme temperature swings.

South Dakota's severe weather creates an insurance environment where claims frequency tests every company's commitment to fair treatment and efficient service. Our weighted scoring identifies insurers that balance competitive pricing with the financial strength and customer service quality you need when hail damages your roof or a tornado strikes your community. This approach helps you find coverage that actually protects you financially when South Dakota's challenging climate creates damage, not just policies with attractive marketing and low initial quotes.