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South Dakota

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Personal Property


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These are annual estimates. Get a personalized quote to determine your costs.

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MoneyGeek compared costs from a number of companies if you're looking for cheap South Dakota homeowners insurance. Our research found that Travelers is the cheapest option in the state.

If you're seeking to mix affordability and quality, MoneyGeek also looked into the best homeowners insurance in South Dakota. We compared prices from many companies to make it easier for you to choose the one that most closely meets your needs and demands.

How to Estimate the Cost of Your Homeowners Insurance Policy in South Dakota

Your location, the amount of your deductible, your credit score and other factors all impact how much South Dakota homeowners insurance costs. You can get a customized estimate of the price of your insurance policy by entering your unique information into MoneyGeek's South Dakota homeowners insurance calculator.

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    South Dakota

    Depending on where you live in South Dakota, your homeowners insurance costs will change. Your premium will probably be higher than someone who lives in a state with lower risks if you reside in a place where fraud, natural disasters and fires are more prevalent.

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    Dwelling Coverage

    Your home's dwelling coverage pays for the cost of reconstruction. The price of homeowners insurance may vary based on the quantity of dwelling coverage you include in your policy.

    In South Dakota, the typical amount for dwelling coverage is $250,000.

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    Your deductible is the amount you must pay before your homeowners insurance company begins to pay when you file a claim.

    For instance, if you have a $500 deductible on your insurance and your claim is worth $10,000, you will only get $9,500.

    As your deductible decreases, your insurance rate will typically increase.

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    Liability insurance provides coverage for expenses related to injuries to third parties and their property sustained on your property as a result of your negligence. These expenses include legal fees, replacement costs, medical expenses, pain and suffering costs and death benefits.

    MoneyGeek recommends getting enough liability insurance to protect your assets. For coverage worth thousands of dollars, liability insurance has a very low annual rate.

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    Personal Property

    Your clothing, gadgets, furniture and other possessions are all covered by personal property insurance.

    It's important to give your personal items the security they need. To determine how much personal property insurance you need, use the calculator below.

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    Credit Score

    When determining how much your South Dakota home insurance will cost, insurance companies take your credit score into account. Because they are more likely to make a claim, homeowners with lower credit scores are viewed as riskier by insurers. If you have poor credit, your South Dakota homeowners insurance will be more expensive.


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Average Cost of Home Insurance in South Dakota

South Dakota is one of the more expensive states for homeowners insurance, costing $2,921 on average a year for $250,000 in dwelling coverage. This is 21% more than the national average.

The chart below shows the typical price per level of coverage in South Dakota if you need more or less dwelling coverage.

Average Annual Premium in South Dakota for Homeowners Insurance
Dwelling Coverage Amount
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Your property should be adequately covered by homeowners insurance to pay for the cost of reconstruction. It's vital to take your need for dwelling coverage into account when purchasing homeowners insurance.

Your home's final replacement cost might be affected by a variety of elements, including height, floor area, building materials and more. When calculating prospective reconstruction expenses, an appraiser can help.

Note that if you have a catastrophic loss, the cost of completely rebuilding your home should be your top concern. Also, consider inflation guard coverage as well as extended and guaranteed replacement coverage for added protection.

Frequently Asked Questions About Home Insurance in South Dakota

Rates for homeowners insurance in South Dakota may change depending on your personal characteristics, your residence and your insurance company. To help you shop, MoneyGeek provided answers to frequently asked questions about homeowners insurance.


To determine the average cost of homeowners insurance in South Dakota, MoneyGeek sourced pricing data from Quadrant Information Services.

MoneyGeek chose a standard home profile to provide the most reliable and relevant data for developing a thorough analysis of homeowners insurance. This standard home profile consists of the following attributes:

  • Construction year: 2000
  • Construction type: Frame
  • Composition roof
  • Three-mile radius from the fire department
  • Assumed value of other structures on the property: 10% of the dwelling coverage
  • Personal property coverage: 40% of the dwelling coverage
  • Liability limit: $100,000
  • Deductible: $1,000

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.