South Dakota HO8 Insurance

South Dakota HO-8 Insurance policy is designed for older homes in South Dakota. The South Dakota HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in South Dakota are AllState and Auto Club and they operate in cities such as Sioux Falls, Brookings, Rockerville or Rapid City.


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What Will HO8 Insurance Cover in South Dakota?

A standard home insurance policy in South Dakota whether you live in Sioux Falls, Rapid City or Brookings will cover most damages to your SD home and your personal belongings from perils such as explosion, lightning damage from falling objects, riots, theft, trucks or vehicles.

What is South Dakota HO8 Insurance?

Useful on older buildings that may be of historic importance and has a lower market value than pure replacement cost.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in South Dakota. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in South Dakota?

The policy will cover any home in the state South Dakota such as:
  • Sioux Falls, SD
  • Rapid City, SD
  • Brookings, SD
  • Yankton, SD
  • Rockerville, SD
  • Chamberlain, SD
  • Spearfish, SD
  • Milbank, SD
  • Walker, SD
  • Huron, SD
  • Lake Preston, SD
  • Aberdeen, SD
  • Alsen, SD
  • Andover, SD
  • Amherst, SD
  • Altamont, SD
  • Zeona, SD
  • Alexandria, SD
  • Albee, SD
  • Akaska, SD