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south dakota condo insurance

With breathtaking sights to behold and friendly faces to greet (normal-sized human ones or the towering-rock variety), it's no wonder South Dakota is so well-loved. From Sioux Falls to Rapid City, living in the Mount Rushmore State can be a dream. And securing concrete South Dakota condo insurance for you, your place, and your belongings makes it even better.

Many mishaps aren't typically covered by your homeowners association — meaning without the right coverage, you could be stuck paying out of your own pocket. Fortunately, you can easily get a free South Dakota condo insurance quote through our site and shop for an affordable condo policy with our trusted partner.

why get condo insurance?

In 2013 alone, South Dakota suffered 14 tornadoes. When you consider the property damage a single tornado could cause — broken windows, damaged valuables, and more — it makes sense that you'd want top-tier protection for your condo and everything you keep there. Coverage through Esurance protects your belongings, the structure of your unit, and much more. In fact, condo insurance also kicks in if:

  • Your condo is burglarized and all your jewelry is taken or even if your things are wrecked by a covered incident
  • Your condo is rendered temporarily unlivable by a disaster like a fire or burst pipe, and you need coverage for additional living expenses like a hotel and meals
  • You get a bit too adventurous at Reptile Gardens over the weekend and accidentally injure another visitor, leading to high medical bills and/or a lawsuit

potential policy savings in south dakota

Though it depends on your condo insurer, you could save on your condo policy if you qualify for an assortment of discounts. For instance, if your condo is equipped with everyday home safety features like a smoke alarm, burglar alarm, or deadbolt locks, you might save on condo coverage.

condo living in the mount rushmore state

Did you know that the cost of living in South Dakota is 2.4 percent lower than the national average? Combine that with a shorter commute (17 minutes, as compared to the U.S. average of 25) and you've got 2 good reasons to call the Mount Rushmore State home. Condo insurance is just another thing you stand to save on in South Dakota.

While homeowners have to insure the entire structure of their home — its exterior and interior — condo owners only need to protect their unit and whatever they keep inside (furniture, electronics, etc.). Your HOA takes care of the building itself, and your coverage even covers your share of repairs if a common area is damaged.

Wonder if you could be saving on condo insurance?

get your free quote online

or call 1-866-439-5633