Dacotah Insurance
308 S Main St, Aberdeen, SD 57401
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308 S Main St, Aberdeen, SD 57401
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1601 8th Ave NE, Aberdeen, SD 57401
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408 Moccasin Dr, Aberdeen, SD 57401
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Learn about insurance coverage options specific to Aberdeen residents.
Aberdeen, SD home insurance averages $1,804/year. Learn about coverage for tornadoes, winter storms, and floods in the glacial lakes region. Get quotes today.
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If your home is near the glacial lakes, rivers, or in a low-lying area, yes—you absolutely need flood insurance. Standard homeowners policies don't cover flood damage, and Aberdeen's spring snowmelt combined with heavy rains can create serious flooding. You'll need a separate policy through the National Flood Insurance Program or a private flood insurer.
The average Aberdeen homeowner with a $600,000 home and $500 deductible pays about $1,804 per year, or roughly $150 per month. For a $300,000 home, expect around $975 annually. These rates are slightly higher than the South Dakota average but lower than national rates, though they're expected to increase by approximately 8% in both 2026 and 2027.
Yes, standard homeowners insurance policies in South Dakota typically cover tornado damage, including destroyed roofs, broken windows, and collapsed structures. However, you should verify that your wind and hail coverage limits are adequate given Aberdeen's location in tornado alley and the risk of damaging straight-line winds and large hail.
Standard policies typically cover sudden damage from winter weather, like burst frozen pipes, roof collapse from heavy snow, and ice dam damage. However, coverage can be denied if the damage resulted from lack of maintenance or if your home was vacant during freezing weather without proper precautions. Make sure to understand your policy's specific requirements for winter weather protection.
Raising your deductible from $500 to $2,000 can reduce your premium by about 16.6%, saving roughly $160 per year on a typical Aberdeen home. However, only do this if you have that amount saved for emergencies—there's no point in saving on premiums if you can't afford to use your insurance when you need it.
State Farm, Auto-Owners, and Allstate are the most recommended insurers in the Aberdeen area based on local customer satisfaction. However, you should get quotes from at least three to five companies to compare coverage options and prices for your specific home and circumstances.
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