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Renters Insurance in South Dakota

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Whether you’re happily settled in a duplex in Sioux Falls or just moved into a studio in Rapid City, you do what you can to protect the place you call home. Renters insurance can help protect what matters most, including the things you take with you on the go.

Is Renters Insurance Required in South Dakota?

Currently, there are no states in which renters insurance is required. But just because it’s not required doesn’t mean it’s a good idea to go without it. Renters insurance can help you protect your belongings from certain types of damage and if they’re stolen.

Can my landlord require renters insurance if my state doesn’t?

Yes, your landlord can require renters insurance as part of the legal agreement between tenant and landlord. Check with your landlord before you sign the lease.

How Much Does Renters Insurance Cost in South Dakota?

Typically, renters insurance costs can vary based on location. You can expect to pay a fraction of what you would for homeowners insurance, and it could cost you as little as $15 a month. Get an idea of what renters insurance could cost you with our simple renters quick quote tool:

What Renters Insurance Coverages Are Available in South Dakota?

No matter what type of place you rent in South Dakota, whether it’s a duplex or a high-rise, your renters insurance coverage can help protect your finances if the unexpected happens. The types of coverages that come with a standard American Family Insurance renters policy are:

Renters personal property protection

Because we know it's your stuff that makes your rental a home, our personal property coverage helps you with the costs of replacing your things should they be damaged by fire, theft, a covered water event or other covered losses.

Renters personal liability

Accidents happen. And, as a renter, you can be held responsible for injuries to guests or damage to your apartment building. Our liability coverage could help you pay for property damage, medical and court costs.

Loss of use coverage

Should your rental become uninhabitable due to a covered loss, our loss of use coverage will help you pay for additional living expenses — such as increased food expenses if you have to eat out or a hotel room.

You can also add even more protection with these optional coverages for your renters insurance policy:

Identity theft protection

Protect your good name and your credit with this low-cost coverage, which protects you against the high costs of restoring your credit and identity.

Pet insurance

Protect Fido or Fluffy up to $1,000 in coverage. This will help cover certain veterinary costs and final expenses for your pet if they're hurt during a covered loss.

Home-based business protection

Growing your business dream from the comfort of your home office? We offer liability coverage and business property protection for small-scale, home-based businesses, so you can worry less about the logistics and focus more on your entrepreneurial ventures.

Travel protection for renters

Whether you're traveling within your state or across the world, this type of protection provides a variety of coverages — such as trip cancellation and global medical insurance — to keep you and your belongings safe while you're away.

Diminishing deductible for renters

When purchasing renters insurance, you select a deductible. A deductible is a set amount of money, typically $1,000, you’ll pay out of pocket before your insurance kicks in to cover the repairs or replacement costs if you file a claim.

We’re offering Diminishing Deductible as a new feature that you can purchase to help save for surprise expenses. With this coverage, we’ll credit (lower) your deductible to help you better prepare for the out-of-pocket costs when you have a claim. Learn more about Diminishing Deductible here.

Get a South Dakota Renters Insurance Quote Today

Ready for renters insurance? Connect with your American Family Insurance agent today to get a quote and learn more about building the right renters insurance policy for you.