Gavop's guide to buying homeowners insurance in Sturgis, 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.
| Sturgis, SD - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Twin Pines Ln, Bear Butte Rd, Canyon Pl, Ash St, Quarry Rd, 206th St, Co Hwy Mc-12, Co Hwy Mc 20, Middle St, Brookside Ln | $149,000 | $130,000 | $125,000-$150,000 | $216,500 | $200,000 | $200,000-$250,000 |
| Navajo Dr, Comanche Rd, Co Hwy Mc-18b, Rose St, Lamphere Ranch Rd, Country View Pl, W Farley St, 220th St, E Elmwood Dr, Sheridan St | $236,000 | $200,000 | $175,000-$200,000 | $193,000 | $180,000 | $200,000-$250,000 |
| Diann Dr, Peaceful Pines Rd, 213th St, Ridge Trl, Co Hwy Mc-3, Elliot Ln, 140th Ave, David Dr, Larene Dr, Lucky Ln | $107,000 | $100,000 | $100,000-$125,000 | $135,000 | $110,000 | $100,000-$125,000 |
| Howard St, Flicker Ln, Meadowlark Dr, Candy Ln, Borden Ct, 210th Pl, Windriver Pl, Almond Rd, N 6th St, Aligner | $150,500 | $130,000 | $125,000-$150,000 | $176,500 | $160,000 | $125,000-$150,000 |
| Pine St, Pine View Dr, Dice Ct, Glenn Dr, Aldren Ln, 127th Ave, 194th St, Pipestone Dr, Dolan Cr Rd, Timberline Rd | $168,000 | $150,000 | $150,000-$175,000 | $152,500 | $140,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$122 | $690 |
| Superior Protection Discount | -$73 | $738 |
| Fire & Security Discount | -$73 | $738 |
| Hail Resistant Roof Discount | -$16 | $795 |
| Newly Constructed Home Discount | -$187 | $625 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Meade County | $2,000 | $857 | $2,857 | $623 | $2,623 | $234 |
| Sturgis, SD | $2,500 | $802 | $3,302 | $583 | $3,083 | $219 |
| Blucksberg Mountain, SD | $400 | $1,182 | $1,582 | $859 | $1,259 | $323 |
| Central City, SD | $1,500 | $780 | $2,280 | $567 | $2,067 | $213 |
| Newell, SD | $400 | $677 | $1,077 | $492 | $892 | $185 |
| Rapid City, SD | $1,500 | $987 | $2,487 | $718 | $2,218 | $270 |
| Colonial Pine Hills, SD | $100 | $1,371 | $1,471 | $997 | $1,097 | $375 |
| Hill City, SD | $1,500 | $979 | $2,479 | $712 | $2,212 | $268 |
| West Butte, SD | $300 | $1,120 | $1,420 | $814 | $1,114 | $306 |
| Sundance, WY | $1,000 | $1,089 | $2,089 | $791 | $1,791 | $298 |
| Meade County, SD | $300 | $857 | $1,157 | $623 | $923 | $234 |
| Hermosa, SD | $700 | $813 | $1,513 | $591 | $1,291 | $222 |
| Home Insurance Company Sturgis, SD | Homeowners Insurance Agency Sturgis, SD | Address | Popularity Score | Distance from Sturgis (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Western Dakota Insurors Inc | 816 Fifth St Rapid City, Rapid City, SD, 57701 | 27.2 | |
| State Farm | Bruce Kitterman | 527 Kansas City St, Rapid City, SD, 57701-3673 | 27.0 | |
| State Farm | Eric Fowler | 2118 Lazelle St, Sturgis, SD, 57785-1316 | 0.7 | |
| Allstate | First Western Insurance | 41 5th Ave, Belle Fourche, SD, 57717 | 24.9 | |
| State Farm | Gregg Fullerton | 1219 St Joe St Ste 200, Rapid City, SD, 57701-2669 | 25.7 | |
| State Farm | Jodi Garcia | 1230 North Ave Ste 2, Spearfish, SD, 57783-1572 | 17.9 | |
| Allstate | First Western Insurance | 311 North 27th Street Suite 4, Spearfish, SD, 57783 | 15.5 | |
| Farmers | Stephanie Lee | 807 10th Ave, Belle Fourche, SD, 57717 | 24.2 | |
| State Farm | Matt Mccormick | 716 N Lacrosse St Ste 100, Rapid City, SD, 57701-1338 | 27.0 | |
| Allstate | First Western Insurance | 132 E Illinois St, Spearfish, SD, 57783 | 17.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Dakota | $152,700 | $984 | $720 | $1,410 | $690 |
| Meade County, SD | $168,400 | $868 | $630 | $1,200 | $570 |
| Sturgis, SD | $147,100 | $811 | $590 | $1,130 | $540 |
| Blucksberg Mountain, SD | $221,200 | $1,196 | $800 | $1,700 | $900 |
| Central City, SD | $94,200 | $789 | $540 | $1,100 | $560 |
| Newell, SD | $65,900 | $685 | $490 | $950 | $460 |
| Rapid City, SD | $170,700 | $999 | $690 | $1,420 | $730 |
| Colonial Pine Hills, SD | $283,500 | $1,388 | $940 | $1,900 | $960 |
| Hill City, SD | $155,000 | $991 | $680 | $1,380 | $700 |
| West Butte, SD | $201,100 | $1,134 | $770 | $1,550 | $780 |
| Sundance, WY | $215,100 | $1,102 | $750 | $1,520 | $770 |
| Meade County, SD | $168,400 | $868 | $620 | $1,190 | $570 |
| Hermosa, SD | $103,900 | $823 | $560 | $1,160 | $600 |