South Dakota homeowners insurance

South Dakota home

From Mount Rushmore to the Badlands National Park, South Dakota’s landmarks draw visitors and renown in equal measure. And for those who’ve made their homes here, access to the outdoor adventures these places provide is just one of the many reasons Mount Rushmore State is such a great place to live. Whether you’ve settled down in Sioux Falls, Rapid City, or out in the expansive rural countryside, you’ll want to make sure your home is protected for the long run. Keep it safe with flexible, reliable homeowners insurance from Nationwide.

Explore homeowners insurance coverage options in South Dakota and protect yourself and the things that matter most, all while finding new ways to save.

South Dakota homeowners coverages and discounts

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

Explore coverages & options

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

Get Brand New Belongings®

Making your policy more affordable.

See how you can save

Bundle your insurance policies and save money

Want to save even more? You can save up to 20 percent when you bundle your home and auto insurance with Nationwide. That’s more money for your next home improvement project or to help save up for that RV you’ve wanted to travel the countryside in. You can also bundle other coverages such as boat and auto, multicar, and auto, home and life insurance. Get all the coverage you need in one place and save more of your money to enjoy everything South Dakota has to offer.

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


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.


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

Find Nationwide Insurance near you in South Dakota

Save up to 20% when you bundle home and car insurance with Nationwide.

Get a free quote from Nationwide

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Call 1-888-891-0120
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Get 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 1-888-891-0120 and get your South 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.