Watertown Insurance Rates:

Watertown, SD homeowners insurance is about $563 to $767, about $46-$63/month. Our all inclusive analysis indicates shoppers can save as much as $266 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Liberty Mutual
Based on the other answers, I am completely satisfied except that I believe it is a little higher than other companies.
Liberty Mutual
I rarely visit the site as I have the insurance directly deducted from escrow on my mortgage. However, when I do visit the site I find that it is easy to navigate and very user-friendly.
Farm Bureau
Obviously, I would love to have a lower premium. However, the ability to have one-on-one contact with my agent is worth every dollar.
State Farm
I haven't shopped around to find out how much other companies charge for renters insurance.
American Family
I have always had positive interactions with american family. the local office is very helpful when i need to make changes or if i have questions.
Allstate
Because it is a big company it offers all service available in the market but also they are overwhelming in their diligent approach to ensure all points are covered before policy takes effect.
American Family
American family insurance doesn't really have any special discounts for being a customer of theirs for an extended period of time.

Watertown, SD Homeowners Insurance By Home Value

Watertown, SD Home Value Total Homes % of Total Average Watertown, SD Homeowners Insurance
Less than $50,000 625 10.0% $119
$50,000 to $59,999 250 4.0% $259
$60,000 to $69,999 121 2.0% $319
$70,000 to $79,999 245 4.0% $372
$80,000 to $89,999 402 6.0% $418
$90,000 to $99,999 271 4.0% $472
$100,000 to $124,999 936 15.0% $545
$125,000 to $149,999 834 13.0% $684
$150,000 to $174,999 749 12.0% $811
$175,000 to $199,999 461 7.0% $931
$200,000 to $249,999 530 8.0% $1123
$250,000 to $299,999 207 3.0% $1376
$300,000 to $399,999 339 5.0% $1748

Top Home Insurance Agents Near Watertown, SD

Home Insurance Company Near Watertown, SD Homeowners Insurance Agency Near Watertown, SD Address
State Farm Kevin Witte 2312 6th St, Brookings, SD, 57006-2404
Travelers V C Buck 310 MAIN AVE, SINAI, SD, 57061
NA Hudson Bay Insurance 711 Main St, Wilmot, SD, 57279
NA Waldner Ins Agcy 18934 415Th Avenue , Carpenter, SD, 57322
NA Farmers Union Insurance Agency 214 Humphrey Dr N, Doland, SD, 57436

Cost Of Homeowners Insurance By Street Near Watertown, SD

Streets in Watertown Area Homeowners Insurance Cost
3rd Ave NW, 6th St NE, Karen St, 14th Ave NW, C Ave NE, Flyer Dr, Co Rd 6 6/10, Pelican Dr W, Riverview Ct N, Co Rd 17 4/10$677
1st Ave SW, 22nd St E, 160th St, 155th St, 166th St, 178th St, S Broadway, S Pelican Ave, Co Rd 5, 9th St NE$659
W Airport Dr, Grandview St, 16th St SE, 20th Ave SW, 23rd St NE, Pompeska Dr, 6th Ave NE, 36th St NW, 38th Ave NE, 3rd St NE$682
Still Lake Rd, S Dakota Hwy 139, Spruce Ave SW, 167th St, 37th St NW, Thorson Ave, 10th St NE, 165th St, N Broadway, 29th St SE$654
Broadway St N, 19th St NE, Lynwood Dr, 15th St NW, 12th St E, 10th Ave NE, 7th St NE, Co Rd 9 4/10, 3rd Ave NE, Phelps St$672

Watertown, SD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Watertown$99 to $102
Lake$103
Codington County$99
Pelican$98

Watertown, SD Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Lake township, Codington County, South Dakota $86 $114 $171
Codington County, South Dakota $83 $111 $166
Pelican township, Codington County, South Dakota $82 $109 $164

Watertown, SD Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Watertown, SD4.9%14.3%
Lake3.27%15.68%
Codington County4.82%14.1%
Pelican4.79%14.24%

Watertown Renters Insurance as a Percentage of Rent

Watertown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 103 3.0% $332
$200 to $299 284 9.0% $782
$300 to $499 746 25.0% $1232
$500 to $749 1,025 35.0% $1907
$750 to $999 581 19.0% $2657
$1,000 to $1,499 157 5.0% $3782

Watertown, SD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$3,800
Yearly Watertown Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$1,800$3,800
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $10,800$9,800
Net Savings to Watertown Home Owner from High Deductible Plan $1,000

Watertown, SD Home Insurance Costs With Home Replacement Value Scenarios

Scenario Watertown, SD Home Replacement Value MORE than Home Value Watertown, SD Home Replacement Value LESS than Home Value
Replacement Value $26,500 $15,500
Insurance Premium based on Replacement Value $150 $75
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $6,500 Risk Exposure from Under Insuring Coverage is $4,500
Premium Impact Insurance cheaper by $25/year Insurance costlier by $50/year

Example Watertown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAllstateAmerican Family Insurance
Monthly Premium 2968123
Year Built 198320091947
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $75000-$100000$150000-$175000$250000-$300000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Watertown, SD from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 135,000 Asphalt Shingles Roof 1,580 2 $2500-$5000 Deductible 160 4 Wood siding yes
1940 185,000 Wood Shake Roof 2,790 4 $500- $1000 Deductible 530 8 Brick siding No
2001 190,000 Slate Shingles Roof 2,810 4 $1000-$2500 Deductible 290 4 Wood siding No
1980 170,000 Asphalt Shingles Roof 1,770 2 $1000-$2500 Deductible 240 4 Brick siding No
2013 180,000 Metal Roof 2,460 5 $1000-$2500 Deductible 70 1 Brick siding No
1999 160,000 Slate Shingles Roof 1,680 2 $1000-$2500 Deductible 80 2 Wood siding No
2014 175,000 Asphalt Shingles Roof 1,820 3 $500- $1000 Deductible 440 7 Wood siding No
1998 265,000 Composition Roof 3,670 5 $500 Deductible 400 3 Fiber-Cement Siding No
1960 120,000 Asphalt Shingles Roof 1,500 3 $1000-$2500 Deductible 370 9 Stone Siding yes
2007 85,000 Asphalt Shingles Roof 1,080 2 $1000-$2500 Deductible 180 8 Stone Siding No
1989 410,000 Asphalt Shingles Roof 4,730 5 $500 Deductible 1760 10 Fiber-Cement Siding No
1989 310,000 Tile Roof 4,420 5 > $10,000 Deductible 680 10 Wood siding yes
1989 140,000 Asphalt Shingles Roof 1,660 4 $2500-$5000 Deductible 80 3 Wood siding yes
1990 260,000 Tile Roof 2,720 4 $500 Deductible 380 3 Stucco siding No
2014 150,000 Tile Roof 2,270 4 $500- $1000 Deductible 60 1 Stucco siding No
1988 115,000 Wood Shake Roof 1,510 3 $2500-$5000 Deductible 120 4 Wood siding No
1983 175,000 Membrane Roof 1,790 3 $1000-$2500 Deductible 410 7 Stone Siding No
2014 240,000 Composition Roof 2,390 3 $1000-$2500 Deductible 770 9 Stucco siding yes
1940 410,000 Tile Roof 4,540 5 $500 Deductible 2060 10 Vinyl siding yes
1987 150,000 Wood Shake Roof 1,810 3 $2500-$5000 Deductible 330 7 Stone Siding yes
1942 315,000 Slate Shingles Roof 4,030 5 $1000-$2500 Deductible 380 3 Brick siding No
1987 100,000 Slate Shingles Roof 1,420 3 $1000-$2500 Deductible 420 9 Vinyl siding No
1965 115,000 Composition Roof 1,500 3 $1000-$2500 Deductible 310 7 Vinyl siding No
1982 170,000 Tile Roof 2,110 3 $5000 to $10,000 Deductible 340 6 Stucco siding No
1942 130,000 Tile Roof 1,640 4 $1000-$2500 Deductible 450 8 Stucco siding No
2013 145,000 Composition Roof 2,110 5 $500 Deductible 730 12 Stone Siding yes
2002 90,000 Metal Roof 1,070 2 $1000-$2500 Deductible 160 6 Vinyl siding No
1962 85,000 Metal Roof 1,070 2 $1000-$2500 Deductible 30 1 Fiber-Cement Siding yes