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2025

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Best Renters Insurance Companies in South Dakota

Our Recommended Top 5

We did the research for you!

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

330Reviewed

200Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Renters Insurance Companies Serving South Dakota
Sioux Falls

Expertise.com Rating

Review Sources

Google
5.0 (56)
Facebook
5.0 (8)

Why choose this provider?

Serving South Dakota, Wilcoxon Insurance assists individuals and businesses in securing financial protection plans. It offers renters' insurance policies that include payments for personal belongings in the event of a fire or theft and liability coverage. The agency provides families with life, home, auto, and flood insurance. It also helps businesses insure commercial auto and property, liability, and business interruptions. Since 2019, the firm has been partnering with leading insurance carriers to create packages that fit clients' needs.

Best Renters Insurance Companies Serving South Dakota
Sioux Falls

Expertise.com Rating

Why choose this provider?

Providence Financial is an independent insurance agency that caters to clients throughout South Dakota. It provides renters' insurance products for tenants to help them manage natural disaster-, vandalism-, or theft-related damages. The agency offers coverage options for personal items like clothing and jewelry. Its other insurance products include homeowners' and condo plans. The agency's owner and founder, Donald "Joey" Larsen, worked as an agent for Farm Bureau Financial Services. He holds a Chartered Financial Consultant designation. He has over 10 years of industry experience.

Best Renters Insurance Companies Serving South Dakota
Sioux Falls

Expertise.com Rating

Review Sources

Google
4.2 (40)

Why choose this provider?

The Garza Insurance Agency, LLC, serves individuals, families, and business owners in South Dakota. As an independent insurance agency, it matches clients to financial risk protection solution providers that offer the best policies and coverage options that address their risks. One of its focus products is renters� insurance, helping renters get the financial protection they need in times of theft, fire, or injury. It also provides assistance in shopping auto, home, and business insurance options. In addition, the Garza Insurance agency serves clients in Iowa and Nebraska.

Best Renters Insurance Companies Serving South Dakota
Sioux Falls

Expertise.com Rating

Why choose this provider?

Jason Durnil has been a State Farm insurance agent since 1995, offering a broad selection of insurance solutions to families, individuals, and business owners in Missouri. His office provides renters' insurance to tenants who want to cover their personal belongings like computers, furniture, clothing, and electronics inside the properties they are renting. It also has life, health, home, pet, and business insurance options. Durnil earned the Ambassador Travel Qualifier award. He is a member of the South Dakota Native National Association of Insurance & Financial Advisors.

Best Renters Insurance Companies Serving South Dakota
Sioux Falls

Expertise.com Rating

Review Sources

Google
4.9 (517)
Facebook
4.8 (40)
Yelp
5.0 (1)

Why choose this provider?

Ryan Reiner is a State Farm agent who serves customers in South Dakota. He offers a wide selection of products, including renters', homeowners', auto, health, life, and business insurance. His renters' insurance policy covers the client's personal property from losses resulting from fire, vandalism, and theft. His additional services include mutual funds, annuities, and banking. Reiner is a member of the Sioux Falls Chamber of Commerce and the Sioux Falls Young Professionals. He also holds an ARM designation.

Compare our Top Renters Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Wilcoxon Insurance
4804 S. Minnesota Ave., Ste 103, Sioux Falls, SD 57108
Providence Financial
3208 E. 26th St., Sioux Falls, SD 57103
Garza Insurance Agency, LLC
900 East 10th Street, Sioux Falls, SD 57103
Jason Durnil
1708 W 41st Street, Sioux Falls, SD 57105
Ryan Reiner
3015 E 10th Street, Sioux Falls, SD 57103

South Dakota Renters Insurance FAQs

  • Does South Dakota renters' insurance cover slip and fall?

    Yes. Renters' insurance in South Dakota often includes personal liability coverage for slips and falls. Your renters' insurance may pay the guest's medical and legal costs if they trip and fall inside your rental. It is a good idea to obtain coverage of at least $100,000 to guard against expensive litigation and medical bills. You can choose liability limits of $300,000 or even $500,000 if you'd like extra security.

  • Is pest infestation covered by renters' insurance in South Dakota?

    No. South Dakota renters' insurance will not cover pest infestation since pest management is regarded as routine maintenance. Your renters' insurance covers unanticipated losses like tornadoes and fires. Your renters' insurance does not cover these types of pests, including bed bugs, termites, cockroaches, rats, and mice. However, there is a protection policy against bed bugs, which might pay to remove the infestation regardless of whether your landlord or yourself are to blame.

  • What drawbacks come with sharing your South Dakota renters' insurance policy with your roommate?

    The following are some drawbacks of sharing your South Dakota renters' insurance policy with your roommate

    • If your roommate incurs a covered loss under your insurance policy, your insurance rates might go up in the future.
    • Anytime you move in with a new roommate, you'll need to make adjustments to your renters' insurance policy.
    • If you and your roommate are at odds or have a falling out, it could make filing or reviewing insurance claims more difficult.
  • When inclement weather causes the electricity in your rental property to go out, can you make a claim under your renters' insurance policy in South Dakota?

    It varies. Your South Dakota renters' insurance coverage does not cover power outages unless there is physical damage to your rental property. Consequently, any frozen or chilled food that can be spoiled due to a power outage will not be covered by your insurance. On the other hand, you might be qualified for a loss of use claim if your property lost power and your rental unit had significant structural and roof damage that rendered it unfit for you to occupy.

  • Are business-related losses covered by the personal liability coverage of your renters' insurance policy in South Dakota?

    No. The personal liability coverage of your renters' insurance policy in South Dakota will not cover an injury that occurs because of an incident involving your home-based business. You will not be covered by your personal liability insurance for losses you sustain personally, losses caused by your vehicle, or malicious damage.

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