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State of South Dakota


Your insurance company provides an adjuster at no charge to you. Adjusters who have no relationship with your insurance company and charge a fee for their services also may contact you. These are known as public adjusters. You may use a public adjuster to help you in settling...


If your home was destroyed by a hurricane, wildfire or other disaster, be cautious. Unfortunately, there are dishonest service providers that prey on disaster victims. They know that people who have lost their homes and valuables may not be thinking clearly. If you have...


According to the Centers for Disease Control and Prevention, there are approximately 4.5 million dog bites per year. These bites cost over $1 billion, with the property/casualty insurance industry paying roughly $345.5 million in 2002, accounting for almost 1/4 of the total...


Much of the country is experiencing severe and sustained cold weather, with snowfalls interspersed with periods of melting and freezing. This can inflict considerable damage on homes. Here are some tips and steps you can take to make insurance losses less likely during...


If you plan to remodel your home, make sure that your home, the contractor and subcontractors have adequate insurance coverage. Don’t make the mistake of waiting until an addition or extra room is completed to increase the insurance coverage on the structure of your home....


Renter’s insurance is protection intended for anyone who rents an apartment, home or other live-in dwelling. Purchasing renter’s insurance can protect you against the risk of fire, theft, windstorms, falling objects, smoke, and vandalism. Another important aspect of renter’...



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