Home Insurance

Owning a home in South Dakota can be a dream come true. However, you want to make sure you’re protected against the various things that could go wrong. With some help from us at Kotten Insurance, we’ll see to it that you have a policy you can depend on.

What does home insurance include?

It’s important to have plenty of home insurance in place. Every home insurance policy is different, but it will include a few basic levels of coverage:

  • Dwelling
  • Personal belongings
  • Liability
  • Loss of use

The coverage levels for each area can vary based on your home, the value of your belongings, and even the level of liability you think you might need.

As you explore home insurance policies, you will want to look at what might not be included. This can range from damage from frozen pipes to cracked foundations. The good news is that there are ways for you to add more coverage to your policy so that you’re protected against more that could go wrong. While you hope your home never has issues, it’s best to add more protection so that you can enjoy greater peace of mind.

How to Effectively Protect Your Home

There are all sorts of ways for you to protect your home. Security systems and fences are excellent methods of protection, and while they can help you to save on home insurance, you still need an insurance policy.

We’ll look at riders that can offer added protection to your policy. We’ll also look at the various scenarios in which you’ll be protected. Further, we’ll take the opportunity to get quotes from multiple companies to ensure that you’re getting coverage from a reputable company without spending more on premiums than what is needed.

Learn more about home insurance in South Dakota today by calling Kotten Insurance. One of our independent agents can answer your questions and help you to find the right policy.