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Best Renter's Insurance Companies in Sioux Falls

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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



5Top Picks

Learn about our selection process.


featured provider = Featured Provider

4804 S. Minnesota Ave., Ste 103, Sioux Falls, SD 57108
WebsiteLicense: 10021477
Website Rating

Review Sources

5.0 (55)
5.0 (8)

Why choose this provider?

Wilcoxon Insurance provides insurance solutions to individuals, families, and businesses in Sioux Falls and the neighboring communities. The firm offers clients renters' insurance policies that comply with lease agreements and deliver appropriate coverage. It handles requests for home, condo, auto, classic car, motorcycle, and watercraft insurance policies. Its commercial insurance coverages include workers' compensation, business interruptions, and liability. Wilcoxon Insurance was established in 2019 with the commitment to proffer insurance solutions appropriate to clients' needs and financial capacity.

  • Multiple Carriers
  • Home and Auto Insurance

1708 W 41st Street, Sioux Falls, SD 57105
WebsiteLicense: 3673185 Rating

Review Sources

4.7 (12)

Why choose this provider?

Jason Durnil is a provider of renters' insurance in Sioux Falls. He helps apartment tenants get the protection coverage suitable for their needs like basic protection for personal possessions, such as clothes and appliances, from fire and theft. His agency offers auto, property, business, and home insurance options. Life, health, and pet policy plans, as well as annuities, mutual funds, and banking services are also provided by the firm. A State Farm agent since 1995, Durnil is affiliated with the National Association of Insurance & Financial Advisors.

  • Multiple Policy Types

900 East 10th Street, Sioux Falls, SD 57103
WebsiteLicense: 3610739 Rating

Review Sources

4.1 (34)
5.0 (2)

Why choose this provider?

Garza Insurance Agency, LLC, is an independent company that serves the Sioux Falls metro and surrounding neighborhoods. The business offers different kinds of insurance products from several carriers to give clients a wide selection of options to choose from. The agency helps house or apartment renters secure renter's insurance products that provide financial protection for repairs, liability issues, and lost or damaged items. Its team of professionals can assist clients both in English and Spanish.

  • Multiple Carriers
  • Home and Auto Insurance

3015 E 10th Street, Sioux Falls, SD 57103
WebsiteLicense: 40043476 Rating

Review Sources

4.9 (532)
4.8 (41)
5.0 (1)

Why choose this provider?

Ryan Reiner is a State Farm insurance agent who caters to the needs of clients in Sioux Falls and the surrounding areas. He offers a wide range of insurance policies for renters, homeowners, and businesses. He also provides life, health, and pet insurance policies. In addition, he handles banking, annuities, and mutual funds. Reiner is a member of the Sioux Falls Chamber of Commerce. He has almost two decades’ worth of experience in the financial and insurance industries.

  • Home and Auto Insurance

3208 E. 26th St., Sioux Falls, SD 57103
WebsiteLicense: 10019853 Rating

Review Sources

5.0 (326)

Why choose this provider?

Providence Financial is an independent insurance agency that serves the needs of individuals and businesses in the Sioux Falls area. It provides clients with different types of renters' insurance products, which protect against the loss or damage of personal belongings and items, such as jewelry. It also focuses on homeowners, condominium, automobile, and motorcycle insurance. Andy Crider, one of the agents at the firm's Sioux Falls office, covers multiple areas, such as financial services, real estate sales, management, and hospitality.

  • Home and Auto Insurance


  • What happens to your renters' insurance when you move to a new location in Sioux Falls?

    If you relocate to a different rental property in Sioux Falls, you can typically transfer your renters' insurance policy to the new address, provided that your insurance company offers coverage in that area. However, if you are purchasing a home, renters' insurance would no longer apply, so you'd need to look for homeowners insurance instead.

  • Are pet damages covered by renters' insurance in Sioux Falls?

    Renters' insurance in Sioux Falls typically does not pay for damages caused by your pets to your personal belongings. For instance, if your dog decides to chew on your sofa, the cost of repairing or replacing the damaged item will be your responsibility. You may check with your insurer if your policy extends liability coverage to your pet. If this is not possible, you may obtain a separate animal liability policy from another provider.

  • Can your renters' insurance be used to cover damages that you have caused to someone else's property in Sioux Falls?

    Renters' insurance in Sioux Falls typically includes liability coverage, protecting you in cases where you cause property damage to others. If you are responsible for property damage to someone, your policy covers the costs, preventing you from shouldering the financial burden of repairs. This does not apply to the rented property of the policyholder, as renters' insurance does not cover any damage to the structural aspects of the rental unit itself.

  • Do you need to apply for renters' insurance in Sioux Falls each year?

    Most renters' insurance policies in Sioux Falls have a yearly term, so you do not need to reapply annually. Typically, your insurance provider will extend your coverage by offering to renew your insurance policy, provided that you pay the renewal premium. Generally, your provider will contact you around 30 to 60 days before the renewal and will provide you with general information and updates to your renewed policy.

  • How can you lower the cost of your renters' insurance in Sioux Falls?

    You can reduce the cost of your renters' insurance in Sioux Falls by shopping around and comparing insurance providers to find the most competitive rates. Additionally, consider bundling your renters' insurance with other policies, like auto insurance, to secure a discount. You can also raise your deductible, lower your coverage limits, and encourage your landlord to install safety and security equipment to obtain discounts. Lastly, maintaining good credit can positively impact your insurance rates.

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