South Dakota has 907,428 residents. We list 19 agencies for landlord insurance in South Dakota. Here is what the local numbers say about the cover people here need.

South Dakota at a glance

19landlord insurance agencies listed
31.4%of households rentRenters insurance
$257,400median home valueHome insurance
1980median year homes were builtRebuild cost calculator
5.2%of households have no carAuto insurance
7.2%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across South Dakota

How many of South Dakota’s 66 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Winter weather13 of 66 counties
Very High in Brown County.
Ice storm6 of 66 counties
Very High in Minnehaha County.
Tornado2 of 66 counties
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in South Dakota
Strong wind2 of 66 counties
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in South Dakota
Lightning2 of 66 counties
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in South Dakota
Hail1 of 66 counties
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in South Dakota

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in South Dakota

South Dakota requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in South Dakota How much liability cover do you need?

Source: sdlegislature.gov. Checked 2026-10-24.

Insurance companies South Dakota agencies work with

Of the 19 South Dakota agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Nationwide13 agencies
Nationwide (Colonial)13 agencies
Nationwide (Allied)12 agencies
Liberty Mutual10 agencies
Liberty Mutual (Safeco)8 agencies
Progressive8 agencies
Safeco8 agencies
Travelers6 agencies
American Modern5 agencies
Foremost4 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Landlord insurance in South Dakota

All insurance agencies in South Dakota · Landlord insurance in every state

Where can I find landlord insurance in South Dakota?

Pick your city in the list on this page to see every agency there that offers landlord insurance, or search by name or ZIP code.

What does landlord insurance cover?

Covers a property you rent out, including loss of rental income.

Which insurance companies do South Dakota agencies work with?

Among the 19 South Dakota agencies whose appointments we hold, the companies they are most often appointed with are Nationwide (13), Nationwide (Colonial) (13), Nationwide (Allied) (12), Liberty Mutual (10), Liberty Mutual (Safeco) (8). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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