1. Those Insurance Industry Terms That Apply To Every Type Of Insurance

      We’ll admit it...we think about insurance more than you do! We talk about it over lunch, we talk about it on the phone, we talk about it with customers from all over the Rapid City and Spearfish areas all the time. Every day...even weekends. The terms that we use are second-nature to us. Deductible, agent, underwriting, riders...we’ve had a customer who is college educated and has been …Read More

  2. Why Renters Insurance Is Such An Important Form Of Home Insurance

      Renters insurance might be the best bargain in insurance you’ll ever have. That’s because it costs so much less that homeowners insurance, due to the fact that you’re not insuring the structure itself. There are still people out there who don’t have renters insurance. Considering what a deal it is, that’s hard to believe. After all, you’re dealing with possible losses occurring …Read More

  3. Where Did All Of These Car Insurance Ads Come From?

       There are thousands of places in this world that you can get car insurance...and that’s just the options you get from watching TV for an hour! The interesting thing is, if you’re over 30 years old or so, you didn’t grow up watching car insurance ads. It’s only been in the last decade or so that commercials for auto insurance have been a thing. So what happened? Well, the market st…Read More

  4. Why Homeowners Insurance Claims Are Always So Much More Than You Might Imagine

      If you’ve never made a claim on your homeowners insurance, you might be surprised the first time you do. Not only at how smoothly things go (we’ll help to facilitate that) but also at just how much the carrier is paying to make the repairs to your home. This is because the problem that you have...whether it’s a burst pipe, a fire, or hail damage...affects so much more in your home tha…Read More

  5. The Last 3 Factors That Will End Up Determining Your Car Insurance Rates In Rapid City

      Today we talk about the last three factors that determine your insurance rates. Truth be told, a carrier will probably use dozens of variables, but the ones we’ve touched on in this blog series hold the most weight and are easiest to understand. First we found out how age, gender, and the age of your car can determine your car insurance quotes. After that we revealed that your marital sta…Read More

  6. 4 More Factors That Determine Your Car Insurance Rates

      We talked before about three of the biggest determiners of the kind of car insurance quotes you’ll get. These included age of the vehicle, your age and your gender. But those three aren’t the only factors that will determine your insurance rates. For instance… Marital status – Married people tend to have fewer accidents than singles. (Perhaps it’s because they’re more likely to …Read More

  7. 3 Things That Affect Your Auto Insurance Rates

    When it comes to auto insurance, doesn’t it seem like premiums are all over the place? One insurance company will give you car insurance quotes that seem way too high, while another claims to save you 25% every month. To be honest, it’s often a case of comparing apples to oranges. While a company might claim to save you that much, they’re often offering reduced coverage. But that’s not wha…Read More

  8. Why You Don’t Need Health Insurance From Your Employer

      It’s a strange situation we’ve found ourselves in. For some reason, health care became linked to employment, which is weird. After all, you don’t get your auto insurance or homeowners insurance through your employer. Here at Black Hills Insurance, we’re getting more and more people coming in asking about our private health insurance plans. We’re happy to be the bridge to many heal…Read More

  9. 4 More Things That Affect Your Home Insurance Rates

    We talked before about the most common things that affect your home insurance rates. These included the type of house you have, the age of it, and where your home is, such as whether it has adequate access to fire protection services and if it’s in an area where something is more likely to happen to it. Those aren’t the only aspects that determine how your home insurances quotes will be determ…Read More

  10. 3 Things That Affects Your Homeowners Insurance Rates

      When you’re looking for homeowners insurance, you might be wondering what the different factors are that determine what your rates are going to be. Here are three of the top reasons that might affect your rates. Construction of your home - What’s more flammable, wood or stone? Yep, the bones of your home matter when you’re looking at home insurance quotes. Once a house with a wooden f…Read More