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2025

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Best Homeowners Insurance Agencies in Sioux Falls, SD

Our Recommended Top 10

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Sioux Falls homeowners insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

97Reviewed

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10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Sioux Falls
6809 South Minnesota Avenue, Sioux Falls, SD 57108

Expertise.com Rating

Review Sources

Google
4.3 (16)
Yelp
3.0 (2)
Facebook
5.0 (1)

Why choose this provider?

Kouri Insurance Agency is a local insurer that carries comprehensive insurance solutions for clients in Sioux Falls. The firm's independent insurance agents seek to address clients' needs and provide custom insurance plans from multiple insurance companies. They help homeowners obtain adequate coverage for possible property damage and liabilities, thus helping safeguard their financial security. They offer 24-hour client support. Established in 1970, Kouri Insurance Agency also assists in homeowners' claim applications.

  • Multiple Carriers
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Sioux Falls
3500 S Western Ave, Sioux Falls, SD 57105

Expertise.com Rating

Review Sources

Google
4.0 (9)

Why choose this provider?

Pillar Insurance is an independent insurance agency in Sioux Falls that has provided clients with various insurance policies since 1987. Its products include homeowners' insurance, which is applicable for residents or families who either own or rent a home. The agents discuss in detail the various policy options and coverage plans that would fit clients' insurance needs, including financial protection for their home and personal valuables. Pillar Insurance represents seven insurance carriers and also offers auto, business, life, and health insurance policies.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Sioux Falls
4009 W 49th St Suite 103, Sioux Falls, SD 57106

Expertise.com Rating

Review Sources

Google
4.9 (51)
Facebook
5.0 (3)

Why choose this provider?

Platinum Insurance Group is an independent insurance agency in Sioux Falls, offering insurance policies for property, life, and casualty. Its homeowners' insurance policies generally cover both the interior and exterior parts of the structure. There are also protections for the contents or items of value that are not permanently attached to the home, as well as from liability in the event that a guest gets injured while on the property. Platinum Insurance Group is connected with more than 10 insurance carriers.

  • Flood
  • Multiple Policy Types
  • Multiple Carriers

Best Homeowners Insurance Agencies Serving Sioux Falls
3701 West 49th Street, Sioux Falls, SD 57106

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Jensen Insurance & Real Estate offers policies to cover property damage for homeowners in Sioux Falls. Founded in 1944, it aims to customize plans that cover replacing or repairing a client's property, as well as select personal property. It also covers additional expenses for when a home is temporarily uninhabitable, liability, and medical expenses of parties injured on a client's premises. Jensen also offers insurance for properties such as high-value homes, rentals, secondary residences, and vacation homes.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Best Homeowners Insurance Agencies Serving Sioux Falls
3700 South Western Avenue, Sioux Falls, SD 57105

Expertise.com Rating

Review Sources

Google
4.2 (10)
Facebook
5.0 (10)

Why choose this provider?

Located in South Dakota, North Central Insurance is a local independent insurance agency serving residents of Sioux Falls. It offers comprehensive home insurance policies for families and individuals in need of home protection. Its homeowners' insurance coverage takes into consideration overlooked factors, such as sewer and septic back-ups, trampoline and swimming pool liability, and flood insurance. It also offers a wide range of commercial and personal insurance products. In addition, the agency provides Church insurance. North Central Insurance is Trusted Choice-certified.

  • Renter's Insurance
  • Personal Property Insurance
  • Flood

Best Homeowners Insurance Agencies Serving Sioux Falls
3015 E 10th St, Sioux Falls, SD 57103

Expertise.com Rating

Review Sources

Google
5.0 (459)
Facebook
5.0 (24)

Why choose this provider?

Ryan Reiner is a State Farm insurance agent that provides insurance services from his Sioux Falls office. Together with his team, Reiner develops insurance plans for clients, including home insurance policies. They offer home insurance plans that include coverage for personal belongings, such as furniture, electronics, clothing, and jewelry. Reiner's team of six insurance advisors have a combined industry experience of over five decades. They are available for appointments any day. Aside from insurance products, they also offers mutual funds.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Sioux Falls
423 S Minnesota Ave, Sioux Falls, SD 57104

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (3)

Why choose this provider?

Insurance Express Agency, LLC, is an insurance company located in Sioux Falls. It offers financial coverage for homeowners for repairs against any damage to the house. This also includes attachments like the garage and any injuries within the property. The company studies each home to suggest the best plans from their catalog. It also provides optional coverage for identity theft, sewage back-up, and snowmobile insurance. The company also provides coverage for pets and dental needs.

  • Multiple Policy Types
  • Renter's Insurance
  • Multiple Carriers

Best Homeowners Insurance Agencies Serving Sioux Falls
7001 South Lyncrest Place, Sioux Falls, SD 57108

Expertise.com Rating

Review Sources

Google
4.8 (12)

Why choose this provider?

McKinneyOlson Insurance offers personal, commercial, life, and health insurance products in Sioux Falls. Its insurance agents assist families in protecting their homes through appropriate homeowners insurance coverage. They aim to understand clients' needs in order to supplement standard insurance policies with necessary coverage options. Home insurance plans cover various financial risks, including risks from fire damage, injuries, weather damage, and theft, and have options for landlord and condo insurance. McKinneyOlson Insurance also addresses industry-specific insurance needs.

  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Sioux Falls
4101 South Southeastern Avenue, Sioux Falls, SD 57103

Expertise.com Rating

Review Sources

Google
4.5 (28)
Facebook
5.0 (5)

Why choose this provider?

Founded in 1981, Prins Insurance of Sioux Falls, Inc. offers a variety of insurance services to its local community and the rest of South Dakota. The company helps people financially protect their homes with homeowners insurance. This insurance allows people to cover their house and their belongings in it. It also includes the damage their property may cause to others. Prins Insurance is available in North Dakota, Iowa, and Minnesota. It also offers other personal insurance and commercial insurance products.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Best Homeowners Insurance Agencies Serving Sioux Falls
2921 East 57th Street, Sioux Falls, SD 57108

Expertise.com Rating

Review Sources

Google
4.7 (6)

Why choose this provider?

Insurance Solutions LTD is an independent insurance agency providing insurance products and services to residents and business owners in Sioux Falls and the surrounding areas. It offers fully-customized homeowners' insurance policies to clients who need protection for their properties. Clients can also obtain various personal and commercial insurance products through the agency. It focuses on anticipative and comprehensive policy-building to ensure that clients receive the coverage that best suits their needs and situations. Insurance Solutions LTD carriers include DAKOTACARE, Avera Health Plans, and Progressive.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Kouri Insurance Agency
6809 South Minnesota Avenue, Sioux Falls, SD 57108
Pillar Insurance
3500 S Western Ave, Sioux Falls, SD 57105
platinuminsgrp.com
4009 W 49th St Suite 103, Sioux Falls, SD 57106
jensenagencyonline.com
3701 West 49th Street, Sioux Falls, SD 57106
North Central Insurance
3700 South Western Avenue, Sioux Falls, SD 57105
Ryan Reiner - State Farm Insurance Agent
3015 E 10th St, Sioux Falls, SD 57103
Insurance Express Agency, LLC
423 S Minnesota Ave, Sioux Falls, SD 57104
McKinneyOlson Insurance
7001 South Lyncrest Place, Sioux Falls, SD 57108
Prins Insurance of Sioux Falls, Inc.
4101 South Southeastern Avenue, Sioux Falls, SD 57103
Insurance Solutions LTD
2921 East 57th Street, Sioux Falls, SD 57108

Sioux Falls, SD Homeowners Insurance Agency FAQs

  • Is homeowners insurance a legal requirement in Sioux Falls?

    No. Homeowners' insurance is not legally mandated in South Dakota, including Sioux Falls. However, if you're financing your home, your lender might require you to have homeowners' insurance as a condition of the loan. South Dakota's Division of Insurance explains that while it's not a legal requirement, having coverage is important to protect against potential losses.

  • What factors impact home insurance costs in Sioux Falls?

    In Sioux Falls, your home insurance costs can increase due to various factors, including inflation, rising construction costs, and the growing impact of natural disasters. Inflation has led to soaring prices in multiple areas, impacting insurance rates. Construction costs have risen significantly due to material shortages and labor difficulties, making the cost of rebuilding homes after a claim higher. Additionally, more severe and frequent natural disasters have necessitated massive rebuilding efforts, further driving up construction costs.

  • How long does it typically take for an insurance company to respond to a homeowner's claim in Sioux Falls?

    Insurance companies are generally required to respond to claim communications within 30 days in Sioux Falls. However, the actual payment of a claim may take longer than this initial response time. Note that while insurers must acknowledge claims within 30 days, this doesn't obligate them to make the full payment within that period. If you haven't received a response to your claim within the specified timeframe, it's a good idea to contact your insurance company to check its status.

  • What kind of homeowners' insurance policy do you need for coverage of frozen plumbing and damage from accumulated snow and ice in Sioux Falls?

    To ensure you have coverage for frozen plumbing and damage resulting from accumulated snow and ice in Sioux Falls, you should get a special type of home insurance called HO-2. This policy provides more extensive coverage compared to the basic HO-1 policy. It includes protection for a wider range of problems, including specific weather-related issues like frozen pipes and damage from snow and ice.

  • How much homeowners' insurance coverage do you have for your personal possessions in Sioux Falls?

    In Sioux Falls, homeowners' insurance typically provides coverage for personal possessions at approximately 50% to 70% of the insurance amount you have on your home's structure. To ensure this is sufficient, create a home inventory listing everything you own, including replacement costs. If you need more coverage, speak to your agent or insurance company about increasing your limits.

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