A standard South Dakota rental insurance policy protects things like:
Your renters policy can help pay for repairs if you accidentally damage or destroy a neighbor's property, like if you accidentally overflow your bathtub and water leaks into the apartment downstairs.
Additional living expenses
If something like a fire in your kitchen renders your home uninhabitable, this coverage can help pay for temporary living expenses until you can get back home.
If a friend gets injured in your place during something as routine as an air hockey tournament, renters insurance can help pay their medical bills.
Let's say your sound system is damaged or even stolen during a party. Personal property coverage can help repair or replace your belongings.