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South Dakota Home Insurance

Put Your Home In Good Hands.

Living near Mount Rushmore, being able to spend the day at Badlands National Park or taking time to enjoy the state fair in Huron are just a few of the reasons to love calling South Dakota home. And from Aberdeen to Rapid City, Allstate can help you protect it.

Homeowners insurance can help you protect different aspects of your South Dakota home. With an Allstate home insurance policy, you can rest easy knowing you have the support of a local, dedicated agent who's there for you. Find your agent to discuss the ways you can protect your home and your family with homeowners insurance.

State Map

Home insurance information is based on your current location.

What Does Home Insurance Protect?

You can help protect your home's physical structure, your belongings and even your family with home insurance. Most Allstate home insurance policies in South Dakota include standard coverage, like:

  • Dwelling (home structure)
    This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
  • Other structures
    This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
  • Personal property
    Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
  • Liability protection
    Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
  • Guest medical protection
    This type of coverage can help cover the cost of medical expenses for a person who's injured on your property.
  • Additional protection
    Standard Allstate homeowners policies include additional protection. One example of this is reimbursed living expenses coverage, which can help cover increased costs of living like hotel stays in the event your home is uninhabitable after a covered loss.

Get Added Protection.

Most home insurance policies don't include protection from flood and earthquake damage. If you're interested in safeguarding your home from flood damage, think about purchasing a separate flood insurance policy.

You may also consider personal umbrella insurance for additional liability protection in South Dakota. This type of policy offers liability coverage beyond your current home and auto policy limits, so it can help protect your finances if you're sued over a covered loss.

Find an agent for more information about additional policies and optional coverage that could help protect what's important to you.

You Can Depend On Your Local South Dakota Agent.

With Allstate home insurance, you can expect more than just quality coverage. You'll also benefit from the support of a knowledgeable local agent who understands the needs of homeowners in the Mount Rushmore State. Your South Dakota agent can:

Find an agent who can answer your questions about South Dakota home insurance.

Home Insurance Discounts In South Dakota.

With Allstate, you can save on South Dakota home insurance. There are many discounts available to help you lower your premium. Talk to an agent in Rapid City, Sioux Falls and other South Dakota locations for information about the home insurance discounts that could help you save.

Learn more about Allstate home insurance discounts.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.
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