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This is a quote request for homeowner insurance in the state of South Dakota.
There is absolutely no obligation to purchase insurance by filling out this form.
Also, no insurance coverage whatsoever can be bound by filling out this form.
If coverage is later requested, an application for insurance will need to be signed
and a down payment of premium made. Any rates given are subject to the companies
final review and approval. Descriptions of coverages given below are only brief general statements about some of the coverages available.|
Coverage Area. Because a representative from our agency will need to review and look at the property, we normally only write homeowner coverages within reasonable distance from Castlewood, SD. This area would include the cities of Watertown, Brookings, and all of the smaller surrounding communities.
Residence - The amount of coverage on the house should be equal or close to the estimated replacement value. The replacement value is how much it would cost to rebuild. We can help you estimate the replacement value of your house.|
Other Structures - Other structures are buildings or structures (other than the house) located on the property. This would include a detached garage (not attached to the house) or a small garden shed.|
Personal Liability Coverage - Covers payment, on behalf of the insured, for sums of money in which the insured is legally obligated to pay for damages of bodily injury or property damage to others caused by an occurrence arising out of the insured's premises or personal activities.|
Medical Payments Coverage - Covers medical expenses incurred by persons, other than the insured, who sustain bodily injury caused by an accident arising out of the insured's premises or personal activities.|
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Scheduled Personal Property - Specific items of household property can be scheduled and given broader coverages than normally provided in the policy for household contents. In most homeowner policies, contents are only insured for the perils listed in the policy (fire, wind, theft, smoke, etc.). However, when specifically sheduled, these items can be insured for all causes of loss unless the cause of loss is excluded in the policy. The coverages provided for scheduled property can be broader and more inclusive than property that is not scheduled. Also, certain classes of property are limited for coverage by the policy (for example: jewelry is limited in the policy for theft coverage) and these internal limits do not apply to scheduled property.
Recreational Vehicles - Watercraft, snowmobiles and ATVs can usually be added onto a homeowners policy. (Sometimes, however, they must be written on separate policies.) List the year, make, model, and horsepower or CC's in the comments section. With snowmobiles, we will need to know the driver information including birthdates, driving violations, and accidents. |
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