Aaron Smith Insurance Group
4300 S Louise Ave, Suite 100, Sioux Falls, SD 57106
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4300 S Louise Ave, Suite 100, Sioux Falls, SD 57106
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3400 W 49th St, Ste 204, Sioux Falls, SD 57106
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3400 W. 49th St., STE. 204, Sioux Falls, SD 57106
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6045 S Louise Ave, Suite 203, Sioux Falls, SD 57108
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4802 S Cliff Ave, Sioux Falls, SD 57103
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300 N Cherapa Place, Ste 601, Sioux Falls, SD 57103
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4809 W 41st St, Sioux Falls, SD 57106
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2917 E 57th St, Sioux Falls, SD 57108
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3500 S Western Ave, Sioux Falls, SD 57105
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6330 S Western Ave, Suite 110, Sioux Falls, SD 57108
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Learn about insurance coverage options specific to Sioux Falls residents.
Sioux Falls home insurance costs $1,000-1,500/year. Learn how to protect your home from hail, winter storms, and severe weather while saving money.
Car InsuranceSioux Falls auto insurance averages $1,200-$2,000/year. Learn about SD's 25/50/25 minimums, fault-based system, and winter driving coverage needs.
Car InsuranceSioux Falls car insurance averages $1,997/year—among the nation's lowest. Learn how to save with bundling, multi-car discounts, and smart coverage choices.
General Insurance EducationComplete insurance guide for Sioux Falls residents. Learn about SD's 25/50/25 requirements, severe weather risks, and how to get affordable coverage.
Most Sioux Falls homeowners pay between $85-125 per month for home insurance, which works out to roughly $1,000-1,500 per year. This is well below both the South Dakota state average of around $235 per month and the national average. Your actual premium depends on factors like your home's value, your credit score, your deductible, and the specific coverage limits you choose.
Yes, standard homeowners insurance policies cover hail damage to your home and property. However, if you have an older roof, your insurer may only pay the actual cash value (depreciated amount) rather than full replacement cost, which can leave you short when it's time to replace damaged shingles. If you live in a hail-prone area, ask your insurer about their roof coverage policies and consider upgrading to impact-resistant shingles for better protection and potential premium discounts.
Most standard homeowners policies (HO-3) cover sudden water damage from burst pipes, including frozen pipes that burst. However, coverage may be denied if the insurer determines you didn't take reasonable steps to prevent freezing, like maintaining adequate heat or draining pipes if you left the home vacant during winter. For more comprehensive winter weather protection, including coverage specifically for frozen plumbing systems and snow/ice damage, consider an HO-2 policy or specific endorsements.
South Dakota home insurance rates have increased 41% over the past seven years due to several factors: increased severe weather events (particularly hail storms, which jumped 74% in early 2024), rising construction and labor costs, higher claims payouts nationwide, and inflation. While rates are climbing, South Dakota and particularly Sioux Falls still remain more affordable than most of the country, making it even more important to shop around annually for competitive rates.
Standard homeowners insurance does not cover flood damage, regardless of what policy you have. If you're near the Big Sioux River or in areas that experience heavy spring runoff, flood insurance is worth serious consideration. Many flood claims come from moderate or low-risk areas, not just official floodplains. You can purchase flood insurance through the National Flood Insurance Program or private insurers, and it typically costs a few hundred dollars per year for homes outside high-risk zones.
Common discounts include bundling your home and auto insurance (15-25% savings), installing impact-resistant Class 4 roofing (up to 20% discount), having a security or fire alarm system, being claims-free for several years, and having a newer home or recently updated systems like electrical, plumbing, or HVAC. Additionally, improving your credit score can significantly reduce your premium, as credit rating has the largest impact on home insurance costs in South Dakota.
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