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Best Homeowners Insurance Agencies in Sioux Falls

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Fischer, Rounds & Associates logo
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Fischer, Rounds & Associates

2300 West 49th Street, Sioux Falls, SD 57105
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Fischer, Rounds & Associates Inc. is a full-service insurance agency that has been serving the residents and businesses in Sioux Falls for more than a century. Established in 1880, the company assists individuals and families in selecting the homeowners' insurance policy that best suits their needs. Its licensed specialists provide tailored solutions to protect the homes and personal possessions of policyholders against disasters. Other offerings include all types of personal, commercial, and specialty policies. The company also provides real estate services.

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.
4.2
Facebook
5.0 / 5 (8)
Google
5.0 / 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
Insurance Express Agency, LLC logo
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Insurance Express Agency, LLC

423 S Minnesota Ave, Sioux Falls, SD 57104
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  • Multiple Policy Types
  • Renter's Insurance
  • Multiple Carriers

Business Description

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.

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 (10)
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
Insurance Solutions LTD logo
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Insurance Solutions LTD

2921 East 57th Street, Sioux Falls, SD 57108
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  • Multiple Policy Types

Business Description

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.

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 (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
jensenagencyonline.com logo
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jensenagencyonline.com

3701 West 49th Street, Sioux Falls, SD 57106
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Fire
  • Earthquake
  • Condos

Business Description

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.

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.
3.9
Google
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
Kouri Insurance Agency logo
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Kouri Insurance Agency

6809 South Minnesota Avenue, Sioux Falls, SD 57108
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

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.

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.
4.4
Google
4.3 / 5 (16)
Facebook
5.0 / 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
McKinneyOlson Insurance logo
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McKinneyOlson Insurance

7001 South Lyncrest Place, Sioux Falls, SD 57108
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  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Fire
  • Earthquake
  • Condos

Business Description

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.

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.
4.6
Google
4.8 / 5 (12)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
North Central Insurance logo
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North Central Insurance

3700 South Western Avenue, Sioux Falls, SD 57105
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  • Renter's Insurance
  • Personal Property Insurance
  • Flood
  • Fire
  • Condos

Business Description

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.

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.
3.9
Google
4.2 / 5 (10)
Facebook
5.0 / 5 (10)

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
Pillar Insurance logo
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Pillar Insurance

3500 S Western Ave, Sioux Falls, SD 57105
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  • Multiple Policy Types

Business Description

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.

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 (9)

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
platinuminsgrp.com logo
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platinuminsgrp.com

4009 W 49th St Suite 103, Sioux Falls, SD 57106
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  • Flood
  • Multiple Policy Types
  • Multiple Carriers

Business Description

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.

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
4.9 / 5 (51)
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
Prins Insurance of Sioux Falls, Inc. logo
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Prins Insurance of Sioux Falls, Inc.

4101 South Southeastern Avenue, Sioux Falls, SD 57103
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Condos

Business Description

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.

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
4.5 / 5 (28)
Facebook
5.0 / 5 (5)

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
Ryan Reiner - State Farm Insurance Agent logo
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Ryan Reiner - State Farm Insurance Agent

3015 E 10th St, Sioux Falls, SD 57103
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  • Multiple Policy Types

Business Description

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.

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
5.0 / 5 (459)
Facebook
5.0 / 5 (24)

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
Back to Providers

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.

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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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