Because home insurance is something that is required by just about every home loan you’ll ever have, it’s easy to forget just why it’s necessary. After all, houses are sturdy and last for decades, so it’s hard to imagine that they might some day be damaged or destroyed. So what kind of home insurance is important to have here in Rapid City, SD?

Flooding: Rapid City was named for Rapid Creek. You might not remember the Black Hills Flood of 1972 that claimed 238 lives, and the chances of such a catastrophe happening again has been mitigated by removing most homes from the floodplain. But we’re sure you remember Rapid Creek overflowing earlier this month, when homes had to be evacuated. No matter what precautions are taken, there’s always that chance of flooding, and it’s important to have to right insurance to protect against flooding.

Fire: It used to be that lightning strikes were a chief cause of fire in a home. Now that few houses are the tallest structure around (lighting is more likely to find a nearby cell phone tower), house fires are less common than ever. But electrical fires do happen, grease fires can occur, and decorative candles and cigarettes are culprits that make families lose their homes. In such a case, you’ll be glad that your mortgage required you have homeowners insurance.

Weather: While most weather just bounces off of your home, there’s the occasional hailstorm that might cause damage to more than your roof, including your deck and siding. Also, uprooted trees have a habit of falling on houses, which can cause tens of thousands of dollars in damage.

Yellowstone explodes: If this happens, home insurance is the least of your problems!

While you probably don’t have the option to not have home insurance in Rapid City, you do have the a choice of who to purchase it from. With more than 60 years in the business, you can trust in Black Hills Insurance. Give us a call!



Home, Life, Auto, Liability; we consult on a variety of personal insurance policies. Look to our experts for valuable advice on the wide range of insurance policies available on the market today.



Whether the damage was accidental or was the result of third-party liability, commercial insurance provides you the peace of mind you need to remain focused on your business.


Check out the testimonials from our happy customers below

Professional and Positive

They are prompt in responding to requests as you know, we can be a fast paced office needing to get information out the door; they always have a professional and positive attitude, and make …Read More

T. Armstrong - Dream Design International, Inc.

Proactive & Responsive

We have been working with Black Hills Agency for over 20 years. They have always been very proactive and responsive to our needs, and have been able to secure a wide range of insurance cov…Read More

G. Schweiss - Pete Lien & Sons, Inc.

Highly Recommend

We have been a client at BH Insurance Agency for many years and hold them in the highest regard. They are very prompt and courteous, and always have our company’s best interest in mind. We…Read More

J. Sorensen - Forest Products Distributors, Inc.