Gavop shows you how to buy homeowners insurance in Butte 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.
| Butte County, SD - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| 137th Ave, Elkhorn St, Country Club Rd, S Northwestern Ave, Einfalt Rd, Klt Rd, 3rd Ave, Kiplinger-Beals Rd, Wolf Ln, Girard Ave | $147,000 | $130,000 | $100,000-$125,000 | $103,500 | $100,000 | $100,000-$125,000 |
| Reid Rd, Mockingbird Ln, Waite Rd, Viken Rd, Hwy 85, Widdos-Helmer-Minnesola Rd, Omaha St, Mona Rd, S Girard Ave, Main St | $141,000 | $130,000 | $100,000-$125,000 | $102,000 | $90,000 | $100,000-$125,000 |
| Birch St, Prairie Winds Ln, King Horn Rd, S Northwesternn Ave, Buckboard Cir, Kokesh Ln, Marie Rd, Trio Ln, Mail Rd, Roundup St | $106,000 | $90,000 | $75,000-$100,000 | $91,000 | $80,000 | $100,000-$125,000 |
| Hat Ranch Dr, 13th Ave, Gilger Ln, Lake St, Xavier St, Durr Ln, Anna, Cattle Dr, Burke Rd, Stub Ln | $101,500 | $90,000 | $75,000-$100,000 | $104,000 | $90,000 | $100,000-$125,000 |
| Gaskill Rd, Red Barn Ln, Kiplinger Rd, Gammon Rd, Upper Redwater Rd, Old State Hwy 79, Hay Creek Ln, Elevator Rd, High Divide Ln, Mdu Loop | $95,000 | $90,000 | $75,000-$100,000 | $97,000 | $80,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$127 | $621 |
| Superior Protection Discount | -$75 | $673 |
| Fire & Security Discount | -$60 | $688 |
| Hail Resistant Roof Discount | -$15 | $733 |
| Newly Constructed Home Discount | -$202 | $546 |
| 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 |
| Butte County | $2,000 | $739 | $2,739 | $537 | $2,537 | $202 |
| Butte County, SD | $1,500 | $739 | $2,239 | $537 | $2,037 | $202 |
| East Butte, SD | $500 | $1,140 | $1,640 | $829 | $1,329 | $312 |
| Nisland, SD | $700 | $596 | $1,296 | $433 | $1,133 | $163 |
| Sturgis, SD | $1,000 | $802 | $1,802 | $583 | $1,583 | $219 |
| Lead, SD | $200 | $839 | $1,039 | $610 | $810 | $229 |
| Alzada, MT | $100 | $361 | $461 | $262 | $362 | $99 |
| Piedmont, SD | $300 | $985 | $1,285 | $716 | $1,016 | $269 |
| Summerset, SD | $1,000 | $1,170 | $2,170 | $850 | $1,850 | $320 |
| Home Insurance Company Butte County, SD | Homeowners Insurance Agency Butte County, SD | Address | Popularity Score | Distance from Butte County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | First Western Insurance | 41 5th Ave, Belle Fourche, SD, 57717 | 22.9 | |
| Liberty Mutual Independent | First Western Insurance | 132 E Illinois St, Spearfish, SD, 57783 | 33.1 | |
| State Farm | Jodi Garcia | 1230 North Ave Ste 2, Spearfish, SD, 57783-1572 | 32.8 | |
| Liberty Mutual Independent | First Western Insurance | 311 North 27th Street Suite 4, Spearfish, SD, 57783 | 32.6 | |
| State Farm | Eric Fowler | 2118 Lazelle St, Sturgis, SD, 57785-1316 | 33.1 | |
| Farmers | Stephanie Lee | 807 10th Ave, Belle Fourche, SD, 57717 | 23.0 | |
| Liberty Mutual Independent | First Western Insurance | 41 Fifth Ave Po Box 2100, Belle Fourche, SD, 57717 | 23.1 | |
| State Farm | Duke Boston | 1826 5th Avenue, Belle Fourche, SD, 57717-1405 | 23.7 | |
| Farmers | Roger Beck | 1241 Sherman St, Sturgis, SD, 57785 | 33.4 | |
| Liberty Mutual Independent | First Western Insurance | 460 Main Street Deadwood, Sturgis, SD, 57732 | 33.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Dakota | $152,700 | $984 | $680 | $1,400 | $720 |
| Butte County, SD | $123,900 | $748 | $520 | $1,040 | $520 |
| Butte County, SD | $123,900 | $748 | $520 | $1,070 | $550 |
| East Butte, SD | $207,600 | $1,154 | $800 | $1,630 | $830 |
| Nisland, SD | $44,700 | $603 | $440 | $840 | $400 |
| Sturgis, SD | $147,100 | $811 | $550 | $1,150 | $600 |
| Lead, SD | $111,600 | $849 | $610 | $1,210 | $600 |
| Alzada, MT | $34,500 | $365 | $280 | $480 | $200 |
| Piedmont, SD | $156,900 | $997 | $680 | $1,380 | $700 |
| Summerset, SD | $217,400 | $1,184 | $810 | $1,670 | $860 |