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south dakota homeowners insurance

If homeownership in the Mount Rushmore State were as smooth as the faces on your namesake landmark, there'd be little need for insurance. Unfortunately, natural disasters, burglaries, and injuries in the home are things that all residents have to prepare for. Luckily, home insurance can help you keep yourself, your abode, and your guests safe.

A typical policy covers damage to your home or property as well as your liability for certain injuries. And when you get coverage from Esurance, you'll be able to enjoy discounts, additional coverage options, and easy, 24/7 policy management. Start your free South Dakota home insurance quote today to get rock-solid protection for your castle.

discounts available in south dakota

Nothing makes for a better welcome gift than some easy-to-score discounts on your homeowners insurance. (We thought about a muffin basket … but nah).

Hail-Resistant Roof discount

Spring and summer storms can be a big concern for South Dakotans. No, literally. The state was on the receiving end of the most massive hailstone in U.S. history in 2010. This frozen rock (nay, baby meteor!) weighed in at nearly 2 lbs and measured 8 inches in diameter.

One of the best ways South Dakota residents can minimize hail damage to their homes is by installing hail-resistant roofing materials. And as the frozen cherry on top of this ice-hunk sundae, customers who do so could earn a Hail Resistant Roof discount with Esurance.  

Multi-Policy discount

No one appreciates convenience more than a busy homeowner. By bundling your homeowners insurance with your existing South Dakota auto insurance, you can access all your plans in one handy place — and save money in the process with our nifty Multi-Policy discount.

There are tons more discount possibilities available when you get your free quote, including:

  • Claim-Free discount
  • Preferred Buyer discount
  • New Home discount
  • Home Safety Features discount
  • Smoke-Free discount
  • Future Effective Date discount
  • DIY Inspection discount
  • Welcome Home discount
  • Loyal Customer discount

standard homeowners coverages

With Esurance, residents in South Dakota can take comfort knowing they have a full slate of helpful coverages built right into the bedrock of their policy.

Dwelling protection

You never imagine the worst happening to your home — but that doesn't stop us from helping you prepare just in case. Dwelling protection helps you safeguard your finances and family's future by providing the funds you need to rebuild after a covered incident. This coverage even goes toward repairing the attached structures of your home, such as a garage or patio.

Personal property protection

What good is making your home the ultimate oasis if you're constantly fretting over what's happening when you're away?

With personal property protection, you can go about your day with confidence, knowing your furniture, electronics, antiques, and other valuables are covered. In the event of a burglary or other covered incident, we'll help repair or replace your belongings (up to your limit). We'll even cover your stuff on the go, too.

More coverages

Other Esurance coverages that come standard for residents in your state include:

  • Guest medical protection
  • Additional living expense coverage
  • Family liability protection

get peace of mind with optional coverages

Give your policy an extra boost of protection by choosing from a variety of optional coverages from Esurance, such as:

Building codes coverage

If your home is damaged and city ordinances require more costly rebuilding than what existed previously, this coverage helps make up the difference.

Water backup coverage

Seeing a wall of water rising from a drain and spilling into your home is enough to really sink your spirits. Thankfully, this coverage can help take care of any damage and buoy your finances and sense of wellbeing.

Want more protection?

South Dakotans can choose from many other optional coverages from Esurance, such as electronic data recovery and yard and garden coverage.

Related links

Roof maintenance tips for homeowners
When it comes to your home, leaks and creaks just won't cut it.

How pets affect homeowners insurance
See what animals are allowed by home insurers and how they could impact your rates.

Wonder if you could be saving on homeowners insurance?

get your free quote online

or call 1-866-439-5633