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Best Homeowners Insurance Agencies in Rapid City

2023

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Website
816 5th Street, Rapid City, SD 57709
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Western Dakota Insurors is dedicated to helping homeowners in Rapid City mitigate risks associated with unforeseen incidents. As an independent insurance agency, its professionals coordinate with a vast network of reputable insurance companies that provide comprehensive policies suited to different types of budgets. They work with clients in determining the most appropriate policy designed to protect their homes, properties, and valuable possessions. Western Dakota Insurors also conducts annual policy reviews with each homeowner and adjusts plans according to current market trends.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.5 / 5 (8)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2433 West Chicago Street, Rapid City, SD 57702
  • Multiple Policy Types

Why choose this provider?

Jeff Jasper, a Farm Bureau agent, offers insurance services for Rapid City residents. Jasper and his team assist clients in various areas including homeowners' insurance. They cater to clients who live in single-family homes, mobile homes, rental properties, condominiums, and townhomes. The insurance professionals customize plans according to homeowners' individual needs. In addition to home insurance, the agency also offers auto insurance, life insurance, and farm and ranch insurance. Jasper has been a Farm Bureau agent since 1996.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
821 Mt Rushmore Rd, Rapid City, SD 57701
  • Condos
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Herrmann Insurance Agencies is an independently owned and locally operated insurance company in Rapid City that offers insurance coverage options from multiple insurance agencies. The agency's professionals can help in selecting, developing, and maintaining homeowners' insurance protection. The agents can provide home insurance plans with varying coverage options, which may include home structures, personal possessions, liability, and additional living expenses. Herrmann Insurance Agencies also carries a wide array of life, auto, health, and business insurance products.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.0 / 5 (20)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
910 5th Street, Rapid City, SD 57701
  • Renter's Insurance
  • Condos
  • Fire
  • Homeowners

Why choose this provider?

Security First Insurance is an insurance broker and bank that operates in the Rapid City metro and nearby areas. With its century-old history, the company has since served all of Nebraska and southwest South Dakota for banking and insurance needs. It writes homeowners' insurance plans that cover expenses for property damages, losses, and damages caused by natural disasters. Security First Insurance has 12 locally managed insurance offices throughout the state that provide valuable local insights for insurance needs and solutions.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.1 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
PO Box 9029, Rapid City, SD 57709
  • Homeowners

Why choose this provider?

Fischer, Rounds & Associates - Rapid City has been providing various insurance services throughout Rapid City, Mitchell, and Watertown areas since 1880. The independent insurance agency partners with the nation's trusted carriers, allowing agents to find a homeowners' insurance policy with high-quality coverage at the best possible price. Its personal lines agents also offer tailored insurance program that protects client's family, vehicle, and other valuable possessions. In addition, Fischer, Rounds & Associates can assist in reporting a claim.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.9 / 5 (9)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
820 St Joseph St., Rapid City, SD 57701
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Black Hills Insurance Agency, Inc. offers personal and business insurance options for clients in Rapid City and the rest of the region since 1949. The team of agents consults on a wide range of insurance options for the protection of residential properties and personal belongings in case of financial losses and damage due to disasters. The options include homeowners' insurance, coverage for condominiums and co-ops, protection of valuable articles, renter's insurance, and identity theft protection.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2525 West Main Street, Rapid City, SD 57702
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Ryan Dolly, an American National Insurance Agent, offers financial protection services for Rapid City residents. Dolly provides different types of insurance policies, including homeowners insurance. He creates insurance plans for homeowners that cover the property, the structures around the property, and the possessions inside the property. The agent also offers home insurance plans that include relocation expenses coverage, identity theft protection, and personal liability protection. Dolly has been an insurance professional for more than 10 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (30)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
1620 Mt Rushmore Rd, Suite 200, Rapid City, SD 57701
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Jeff Johnson - State Farm Insurance Agent is a locally owned agency offering homeowners insurance policies to clients throughout Rapid City. Mr. Johnson is a licensed agent who has been assisting clients for over 20 years with obtaining coverage for their homes. The firm maintains an online portal for clients to file claims and make payments. This agency also offers life and automobile insurance. Its team has over 60 combined years of experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (32)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

  • How much is homeowners' insurance in Rapid City?

    Homeowners' insurance in Rapid City costs $243 per month or $2,915 per year. However, insurance rates still depend on the age and location of the property. For instance, if a home is 200 years old and located in a flood zone, the insurance premiums may be higher. Policyholders may also have higher insurance rates if their houses have pools, trampolines, or art collections.

  • What should you do to lower the cost of your insurance premium in Rapid City?

    In Rapid City, you may lower the cost of your insurance premium by investing in protective devices, such as home security and smart home technologies, smoke detectors, and interior sprinkler systems. You may also increase your insurance deductibles to reduce your annual premiums or bundle your homeowners' and auto insurance to obtain discounts.

  • If an accidental shooting happened near your area, does your homeowners' insurance cover the injuries of your guests in Rapid City?

    Yes. If an accidental shooting happens near your area, your homeowners' insurance in Rapid City may cover the injuries of your guests. Your personal liability policy will pay for medical expenses and the damaged property up to the limit given in your policy. You may also add an umbrella insurance policy to extend the coverage limits.

  • Is homeowners' insurance required in Rapid City?

    No. Property owners in Rapid City are not legally required to have homeowners' insurance. Nevertheless, if individuals desire to pursue a mortgage loan, financial institutions will need them to acquire homeowners' insurance. Even if it is not required most of the time, individuals must consider purchasing one, especially if they live in high-risk areas.

  • In Rapid City, is homeowners' insurance included in a mortgage payment?

    It depends on the situation. In Rapid City, homeowners' insurance is only included in a mortgage payment if it is escrowed. Individuals should understand that when they create an escrow account, it must cover homeowners' insurance, mortgage payments, and property taxes. Additionally, they should remember that mortgage insurance only covers banks in case of default, which is different from homeowners' insurance.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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