If you're renting, chances are you've wondered what would happen if your personal belongs were stolen or the property was accidentally damaged. Your landlord's insurance policy may not cover those incidents – and that’s why you need a renters insurance policy that does. At Nationwide, we pride ourselves in our ability to offer reliable South Dakota renters insurance for renters in Rapid City, Aberdeen, Watertown and anywhere in between. With South Dakota renters insurance, you can protect your space in the event of water backup damage, theft, certain natural disasters and more. Plus, our renters insurance discounts can help you save on our already reliable rates. Get started on your renters insurance quote today.

Is renters insurance required in South Dakota?

No, there is no federal law that requires tenants to carry renters insurance; however, some landlords may require proof of renters insurance as part of the lease agreement.

South Dakota renters coverages and discounts

person shield

With Nationwide renters insurance coverage, you enjoy the security of knowing your belongings may be covered if stolen, damaged or destroyed.

Get renters coverage

Save money on Nationwide renters insurance coverage with these renters insurance discounts.

See how you can save

Policy features that may meet the needs of South Dakota renters

No matter where you rent in South Dakota, Nationwide is here to help. Our renters insurance policies can help safeguard your apartment and personal belongings in Sioux Falls, Pine Ridge Indian Reservation, Yanton and beyond.
  • Valuables Plus®1 insurance may cover items such as jewelry, watches, antiques and fine art in the event of covered losses, including theft.
  • Medical payments renters insurance may cover others' medical expenses resulting from an accident on your property.
Want to find a local agent in your neighborhood?
We have Nationwide agents throughout South Dakota.

What factors go into determining a renters insurance rate?

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


The location of the rental property includes state and ZIP code.


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


The amount of money you choose to pay out of pocket can affect your renters insurance premium.

Bundle insurance policies

Nationwide offers a variety of multi-policy discount options. Choosing to bundle auto and renters insurance from the same insurance provider can potentially lower your insurance premium.

Get a free South Dakota renters 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 South Dakota renters insurance quote today.

Nationwide coverage in South Dakota

[1] Valuables Plus 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.