Gavop's guide to buying homeowners insurance in Box Elder, SD covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $49,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $121,000 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $141,000 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $244,000 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $258,500 | $210,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$107 | $660 |
| Superior Protection Discount | -$69 | $698 |
| Fire & Security Discount | -$61 | $706 |
| Hail Resistant Roof Discount | -$23 | $744 |
| Newly Constructed Home Discount | -$169 | $598 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,095 |
| Physical Damage | $2,488 |
| Hail Damage | $4,900 |
| Wind Damage | $6,178 |
| Expensive Claims | |
| Fire | $42,889 |
| Smoke | $15,884 |
| Home Insurance Company Box Elder, SD | Homeowners Insurance Agency Box Elder, SD | Address | Popularity Score | Distance from Box Elder (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Western Dakota Insurors Inc | 816 5th St, Rapid City, SD, 57701 | 7.9 | |
| Liberty Mutual Independent | Western Dakota Insurors Inc | 816 Fifth St Rapid City, Rapid City, SD, 57701 | 7.9 | |
| State Farm | Bruce Kitterman | 527 Kansas City St, Rapid City, SD, 57701-3673 | 7.9 | |
| State Farm | Eric Fowler | 2118 Lazelle St, Sturgis, SD, 57785-1316 | 30.7 | |
| Liberty Mutual Independent | First Western Insurance Agency Inc | 2630 Jackson Blvd Ste 202, Rapid City, SD, 57702 | 9.8 | |
| State Farm | Gregg Fullerton | 1219 St Joe St Ste 200, Rapid City, SD, 57701-2669 | 6.0 | |
| State Farm | Matt Mccormick | 716 N Lacrosse St Ste 100, Rapid City, SD, 57701-1338 | 6.4 | |
| Farmers | Kirk Bertsch | 116 W Hudson St, Spearfish, SD, 57783 | 46.8 | |
| State Farm | Eric Fowler | 22 Cliff Street, Deadwood, SD, 57732 | 37.2 | |
| Farmers | Dave Schmidt | 2834 Jackson Blvd Ste 101, Rapid City, SD, 57702 | 10.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Dakota | $152,700 | $984 | $660 | $1,400 | $740 |
| Pennington County, SD | $172,400 | $973 | $650 | $1,340 | $690 |
| Box Elder, SD | $130,700 | $767 | $540 | $1,100 | $560 |
| Green Valley, SD | $159,800 | $1,006 | $720 | $1,400 | $680 |
| Blackhawk, SD | $145,000 | $959 | $650 | $1,320 | $670 |
| Mount Rushmore, SD | $270,900 | $959 | $700 | $1,330 | $630 |
| Custer, SD | $153,700 | $987 | $680 | $1,350 | $670 |
| Vale, SD | $86,200 | $760 | $550 | $1,080 | $530 |
| Meade County, SD | $168,400 | $868 | $580 | $1,220 | $640 |
| Pringle, SD | $151,600 | $980 | $700 | $1,380 | $680 |