Gavop shows you how to buy homeowners insurance in Lawrence County, 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 | $55,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $153,000 | $120,000 | $125,000-$150,000 |
| 3 Bedroom | $247,500 | $230,000 | $200,000-$250,000 |
| 4 Bedroom | $342,000 | $300,000 | $350,000-$400,000 |
| 5 Bedroom | $473,000 | $410,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$138 | $784 |
| Superior Protection Discount | -$83 | $839 |
| Fire & Security Discount | -$65 | $858 |
| Hail Resistant Roof Discount | -$18 | $904 |
| Newly Constructed Home Discount | -$249 | $673 |
| 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 |
| Lawrence County | $1,000 | $911 | $1,911 | $662 | $1,662 | $249 |
| Lawrence County, SD | $700 | $911 | $1,611 | $662 | $1,362 | $249 |
| Lead, SD | $100 | $839 | $939 | $610 | $710 | $229 |
| Whitewood, SD | $2,000 | $852 | $2,852 | $619 | $2,619 | $233 |
| Sturgis, SD | $200 | $802 | $1,002 | $583 | $783 | $219 |
| St. Onge, SD | $2,000 | $750 | $2,750 | $545 | $2,545 | $205 |
| Belle Fourche, SD | $300 | $710 | $1,010 | $516 | $816 | $194 |
| Piedmont, SD | $2,000 | $985 | $2,985 | $716 | $2,716 | $269 |
| Rapid City, SD | $500 | $987 | $1,487 | $718 | $1,218 | $270 |
| Crook County, WY | $100 | $778 | $878 | $566 | $666 | $213 |
| East Butte, SD | $700 | $1,140 | $1,840 | $829 | $1,529 | $312 |
| Home Insurance Company Lawrence County, SD | Homeowners Insurance Agency Lawrence County, SD | Address | Popularity Score | Distance from Lawrence County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Western Dakota Insurors Inc | 816 5th St, Rapid City, SD, 57701 | 34.2 | |
| Liberty Mutual Independent | Western Dakota Insurors Inc | 816 Fifth St Rapid City, Rapid City, SD, 57701 | 34.2 | |
| Liberty Mutual Independent | First Western Insurance | 41 5th Ave, Belle Fourche, SD, 57717 | 22.6 | |
| Liberty Mutual Independent | First Western Insurance | 132 E Illinois St, Spearfish, SD, 57783 | 9.9 | |
| State Farm | Jodi Garcia | 1230 North Ave Ste 2, Spearfish, SD, 57783-1572 | 10.3 | |
| Liberty Mutual Independent | First Western Insurance | 311 North 27th Street Suite 4, Spearfish, SD, 57783 | 8.8 | |
| State Farm | Eric Fowler | 2118 Lazelle St, Sturgis, SD, 57785-1316 | 14.1 | |
| Farmers | Stephanie Lee | 807 10th Ave, Belle Fourche, SD, 57717 | 22.0 | |
| State Farm | Gregg Fullerton | 1219 St Joe St Ste 200, Rapid City, SD, 57701-2669 | 34.0 | |
| Liberty Mutual Independent | First Western Insurance | 41 Fifth Ave Po Box 2100, Belle Fourche, SD, 57717 | 21.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Dakota | $152,700 | $984 | $670 | $1,360 | $690 |
| Lawrence County, SD | $189,200 | $922 | $670 | $1,310 | $640 |
| Lawrence County, SD | $189,200 | $922 | $670 | $1,300 | $630 |
| Lead, SD | $111,600 | $849 | $590 | $1,210 | $620 |
| Whitewood, SD | $115,500 | $862 | $590 | $1,190 | $600 |
| Sturgis, SD | $147,100 | $811 | $550 | $1,160 | $610 |
| St. Onge, SD | $85,800 | $759 | $550 | $1,070 | $520 |
| Belle Fourche, SD | $113,600 | $719 | $520 | $990 | $470 |
| Piedmont, SD | $156,900 | $997 | $670 | $1,410 | $740 |
| Rapid City, SD | $170,700 | $999 | $730 | $1,420 | $690 |
| Crook County, WY | $219,000 | $788 | $570 | $1,090 | $520 |
| East Butte, SD | $207,600 | $1,154 | $830 | $1,640 | $810 |