Owning a home is one of the largest investments you can make Shouldn't you protect it with dependable homeowners insurance? Nationwide offers reliable coverage to protect your home and belongings regardless of whether you live in Sioux Falls, Aberdeen, Pierre or beyond. Our policies ensure that your home and property are protected against unexpected events such as theft, water backup damage, certain natural disasters and more. You may even qualify for one of our homeowners insurance discounts. Get a South Dakota homeowners insurance quote today to protect what matters most.

South Dakota homeowners coverages and discounts

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Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.

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Repair or replace your covered possessions, regardless of age or condition.

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Making your policy more affordable.

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What factors go into determining a homeowners insurance rate?

While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:

Location

Location includes the state, ZIP code, and claims history of the area.

Construction

The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.

Age of the house

How new or old the house is, and the upgrades that were made to an older home.

Replacement cost

The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.

Swimming pool

Owning a swimming pool may increase your liability coverage to cover possible injuries.

Home-based business

If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.

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Want to find a local agent in your neighborhood?
We have Nationwide agents throughout South Dakota.

Get a free North Dakota homeowners insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your North Dakota homeowners insurance quote today.

Nationwide coverage in South Dakota

[1] Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.