Cheap Mobile Home Insurance Quotes South Dakota

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Nicknamed The Mount Rushmore State, South Dakota is an expansive and sparsely populated state in the Midwest of United States. While the famous historical carved monuments of four revered U.S. presidents draw thousands of tourists each year, the thriving economy, affordable cost of living, and vast natural beauty lures new residents each year as well.

With growing career opportunities, flourishing economy, lively cultural scene, and pristine natural beauty, relocating to this state is a smart move. It's a perfect place to jumpstart your career and build a family. With an average of 11 people per square mile, there's more than enough room to live, enjoy, and grow in this charming state. This is why more retirees are also choosing Sioux Falls and Yankton.

One good option to better enjoy all the great things this state can offer is living in a manufactured or mobile home. It offers cheap, convenient, and practical choice for everyone, especially outdoor enthusiasts who want to make cities as their home base for their adventures.

If you're looking to get a mobile home in South Dakota, then you should learn the importance of getting mobile home insurance as well.

Cheap Mobile Home Insurance Quotes

Is mobile home insurance required in South Dakota?

Technically speaking, no it's not. There are no current laws that require mobile homeowners to acquire an insurance policy for their mobile dwelling. However, mobile home parks and communities, as well as mortgage companies require would-be residents and clients to get an insurance policy. Thus, if you're planning to place your mobile home in a park and live in a community, and have it mortgaged, then an insurance policy is a must have.

Also, considering the cost of the mobile homes and mostly rough weather conditions in the state, it's only right to get financially protected.

Cheap Mobile Home Insurance Quotes

Quick mobile home statistics in South Dakota

  • $48,500 is the average price of pre-owned mobile homes
  • 1300 square feet is the average size of mobile homes
  • 2008 is the average year model

What do you get in a mobile home insurance coverage in South Dakota?

While specifics in policies may differ from one insurance company to another, a standard mobile home insurance policy works similar with your traditional homeowner's insurance: it comes with two types of coverage - property and liability coverage.

Property coverage

Property damage coverage - this coverage will pay for the damages incurred by your mobile home from various perils such as fire, hail, storm, accidents, burglary, etc.

Personal property coverage - this coverage will pay for the policy holder's assets and belongings that are damaged or stolen while being kept inside the mobile home.

Liability coverage

Homeowner's liability - this coverage will pay for the medical expenses in case someone gets hurt and needs medical attention after an accident while inside your mobile home. This will also provide financial assistance should you get sued and found liable from negligence.

Most insurance companies allow policy holders to customize their policies depending on their needs, the common perils in their location, and the assets and items they want to insure in their mobile home. This is something you should consider when you compare quotes online from various insurance companies. This is how you can get the best rates at the right coverage.

For information on other states, make sure to check the individual pages.

Manufactured Home Insurance Companies Near Me

Best Cheap Mobile Home Insurance South Dakota

Hlavacek Insurance

804 2nd St SE, Watertown, SD 57201

(605) 878-2111

BankWest Insurance

311 Omaha St #5, Rapid City, SD 57701

(605) 399-4200

Central States Insurance LLC

4305 S Louise Ave #106, Sioux Falls, SD 57106

(605) 274-2545

BankWest Insurance

316 N Main Ave, Presho, SD 57568

(605) 895-9422

Jensen Insurance & Real Estate

307 N 16th St, Beresford, SD 57004

(605) 763-2675

BankWest Insurance

502 Lincoln Ave, Murdo, SD 57559

(605) 669-3031

Ponderosa Mobile Home Ranch

4398 Universal Dr # 35, Rapid City, SD 57702

(605) 787-6622

No website found

Herrmann Insurance Agencies

821 Mt Rushmore Rd, Rapid City, SD 57701

(605) 718-2200