Gavop shows you how to buy homeowners insurance in Pierre, SD by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $54,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $182,500 | $170,000 | $200,000-$250,000 |
| 3 Bedroom | $133,500 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $305,000 | $260,000 | $300,000-$350,000 |
| 5 Bedroom | $477,500 | $440,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$139 | $730 |
| Superior Protection Discount | -$78 | $790 |
| Fire & Security Discount | -$96 | $773 |
| Hail Resistant Roof Discount | -$26 | $843 |
| Newly Constructed Home Discount | -$182 | $686 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,794 |
| Physical Damage | $2,295 |
| Hail Damage | $4,948 |
| Wind Damage | $6,305 |
| Expensive Claims | |
| Fire | $42,889 |
| Smoke | $15,884 |
| Home Insurance Company Pierre, SD | Homeowners Insurance Agency Pierre, SD | Address | Popularity Score | Distance from Pierre (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Bankwest Insurance | 311 Coteau St, Pierre, SD, 57501 | 1.7 | |
| Liberty Mutual Independent | Bankwest Insurance | 420 S Pierre St, Pierre, SD, 57501 | 1.9 | |
| Allstate | Heartland Financial | 114 Commercial Ave Se, Highmore, SD, 57345 | 44.7 | |
| State Farm | Gary Heintz | 633 E Sioux Ave Ste 3, Pierre, SD, 57501-3368 | 1.6 | |
| Travelers | Sunrise Agency Inc | 201 S Main, Onida, SD, 57564 | 26.1 | |
| Farmers | Martie Bothun | 401 E Sioux Ave, Pierre, SD, 57501 | 1.7 | |
| Travelers | Dakota State Ins Agcy | 211 North Main Street, Blunt, SD, 57522 | 19.2 | |
| Allstate | Bankwest Insurance | 221 N Main St, Presho, SD, 57568 | 34.6 | |
| Liberty Mutual Independent | Fischer Rounds & Assoc Inc | 125 E Dakota, Pierre, SD, 57501 | 1.8 | |
| Allstate | Bankwest Insurance | 101 Main St, Onida, SD, 57564 | 26.2 |
| 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 | $1,410 | $750 |
| Hughes County, SD | $173,400 | $881 | $640 | $1,210 | $570 |
| Pierre, SD | $168,700 | $869 | $630 | $1,230 | $600 |
| Agar, SD | $42,900 | $596 | $410 | $830 | $420 |
| Presho, SD | $64,700 | $681 | $460 | $940 | $480 |
| Highmore, SD | $74,400 | $717 | $520 | $980 | $460 |
| Gettysburg, SD | $85,800 | $759 | $520 | $1,070 | $550 |
| Potter County, SD | $81,600 | $691 | $490 | $980 | $490 |