South Dakota renters insurance

South Dakota renters insurance coverages

Check out the four standard coverages on nearly all South Dakota renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere
• Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
• Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
• Medical payments to others pay for medical expenses due to a covered occurrence
  

Additional coverages

The best renters insurance in South Dakota is always a policy with customized coverage. Here are some extra options for when you need more protection:

• Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
• Personal injury coverage: May pay for legal fees and damages if you're liable for slander or defamation.
• Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.
  

Learn more about all of our renters insurance coverages.

Is renters insurance required in South Dakota?

Renters insurance isn't required by law in South Dakota, but your landlord or rental company might require you to have a policy before you can move in. Even if it's optional, renters insurance offers affordable protection for tenants renting homes, condos, and apartments throughout South Dakota.

Is renters insurance worth it in South Dakota?

Renters insurance offers tenants affordable coverage in a variety of situations, such as:

• A pipe burst in your building, and you must move out while the water damage is repaired. Loss of use coverage may pay for temporary lodging, up to your coverage limit, while you're out of your home.
• Your rental home is burglarized, and some items are stolen. Personal property coverage may pay to replace your stolen belongings, up to your coverage limit.
• A friend is injured during a party at your home. Medical payments coverage may pay the medical bills to treat their injury, up to your coverage limit.

How much does renters insurance cost in South Dakota?

Progressive renters policies in South Dakota had an average monthly price of $13.30 or $159.64 for an annual policy in 2023.^** Understand that your cost for renters insurance is determined by many factors, including your location, type of residence, and claims history.

Your coverage limits can also affect your cost. Taking a home inventory can help you determine the right coverage limit. Use our personal property calculator to estimate the value of your belongings.

How can I save on renters insurance in South Dakota?

Take advantage of renters insurance discounts to help lower the cost of renters policies in South Dakota. Progressive offers savings for bundling multiple policies, quoting in advance, paying in full, and living in a secured or gated community.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436 or contact a local agent to help ensure you're getting all applicable discounts.

How to quote renters insurance in South Dakota