Best Renters Insurance South Dakota / Compare Costs & Coverage In SD

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Best Renters Insurance South Dakota

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Location is the #1 factor in determining the cost of your renter’s insurance

So it makes a lot of sense for you to search Best Renters Insurance South Dakota if you need a policy. 

However, a South Dakota Renters Insurance search can take a lot of time and leave you frustrated with unanswered questions. 

But, it doesn’t have to be that way. 

Finding cheap SD Renters Insurance can be a simple process that can be completed online today in just a few minutes. 

We’ll review everything you need to know about the cost and coverage's and where to get the best Renters Insurance in South Dakota online.

Update: 2021 South Dakota Renters Insurance Review

Shopping for renters insurance in South Dakota can be a bit of a headache. But it’s essential that you understand your options and what is required of you so that you can find the best policy available.

SD renters should know how much insurance policies cost, what they cover, and which companies offer the best policies. Finding the perfect balance of protection to affordability is a tedious and time-consuming task. This review will look at some of the nuances that South Dakota residents should be familiar with while choosing a policy.

What Factors Determine A South Dakota Renters Insurance Rate? 

SD insurers will use a range of criteria to determine how much they will charge for a policy. These include location, insurance and credit history, the value of the property, and the valuables you keep inside your home. 

While some of these factors are inherent to your situation, it is helpful to know what influences you as a renter in South Dakota have on your insurance rate. You may not be able to upgrade the security system for your entire apartment complex. Still, you can decide which of your possessions you insure or what deductible you pay that affects your monthly premium.

Can A Landlord In South Dakota Require Renters Insurance? 

It doesn’t matter if you live in Sioux Falls, Rapid City, or Aberdeen, landlords can be a pain. 

A question we are often asked by soon to be tenants, is, ‘Can a landlord in South Dakota require renters insurance?’

The simple answer is Yes. 

If SD renters insurance is included as a requirement in your lease, you must comply with those terms and buy rental coverage. 

This isn’t necessarily a SD thing because the answer to, ‘Is renters insurance required in South Dakota?’ It is the exact opposite. 

No, South Dakota does not require renters insurance, but with 10% of people in South Dakota renting, it makes a lot of sense to protect your self and your stuff. 

A good place to start would be by determining What Is Renters Insurance And Why Do I Need It.

FREE Renters Insurance Quotes - SD - Cities

Location is the biggest factor in determining the cost of your renters insurance.  You can save money by getting a quote from an insurance company near you. 

Select Your City Below

What Is The Best Renters Insurance In South Dakota?

It is estimated that the State of South Dakota has over 82,476 renters, and every one of them should be looking for the best renters insurance in SD

SD has the best renters insurance options offered by multiple, well known, and respected insurance companies. 

It doesn’t matter if you are in Sioux Falls or Rapid City to get the best SD renters insurance you will want to get the right coverage.

Several factors go into finding the best renters insurance in South Dakota that will affect your policy. 

Your past insurance history, desired coverage amounts, the location of the rental, and this one may come as a bit of a surprise, but your credit score may also be considered.

You can learn more about the process in our article, How To Get Renters Insurance

Which Companies Offer Renters Insurance In South Dakota?

What Does Renters Insurance Cover In South Dakota

Many SD residents in Brookings and Watertown mistakenly believe that their Landlord’s insurance protects their personal items. 

This is not the case and is the reason you need to know, ‘What does renters insurance cover in South Dakota.’

SD Renters Insurance covers personal loss due to fire, theft, or vandalism. 

A South Dakota Renters Insurance policy will also cover your liability if a guest is injured on-premises or you damage the Landlord’s property. 

A Renters Insurance South Dakota policy does not cover your personal possessions that may break by accident or normal wear or tear. 

Get a much more complete answer to in our article,  What Does Renters Insurance Cover.

Coverage Type

What It Should Cover...

Personal Property

This coverage is for your personal stuff, clothes, electronics, furniture, etc. Should cover up to policy limits.


This will cover you if you accidentally damage your Landlords property or a guest is injured and it is your fault.

Additional Living Expenses

If your place is damaged so bad you can't stay, you will be reimbursed for things like hotel bills.

Recommended Amount Of Renters Insurance In South Dakota?

It is difficult to recommend the amount of South Dakota renters insurance you may need.

This is because the factors that go into deciding on your coverage amounts are particular to each individual. 

Location plays a significant factor in the recommended amount of renters insurance in South Dakota

This is because if you live in Sioux Falls, Rapid City, or Aberdeen, you may need more or less based on the value of the property you are renting. 

The bottom line is you should probably buy as much insurance as you can comfortably afford based on the value of your personal possessions. 

We get a lot more in-depth in helping you make this decision in our article How Much Renters Insurance Do I Need.

How Much Is Renters Insurance In South Dakota

The cost of renters insurance in SD depends primarily on your coverage's and the location of your rental. 

Answering the question of, ‘How much is renters insurance in South Dakota’ would be difficult without knowing your personal situation and preferences. 

However, renters insurance South Dakota costs on an average annual basis of $123.00

The average cost of renters insurance in South Dakota monthly is $10.25, which is very affordable. 

Keep in mind to determine how much is renters insurance in SD your rental location could make these average costs much higher or lower.

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Cheapest Renters Insurance SD

It would help if you didn’t live in places like Sioux Falls, Rapid City, and Watertown to get the cheapest renters insurance in South Dakota

Location plays a huge role if you want to get cheap renters insurance SD

That means places like Aberdeen and Brookings may be cheaper because the property values should be less. 

Two other factors will help you get the cheap renter’s insurance South Dakota, which includes your insurance claim history and your credit score. 

If you are living in a relatively cheap property with no rental claims and a good credit score, expect the cheapest renters insurance in SD.

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