DISCOVER THE ADVANTAGES OF INSURING WITH US
We often get this question (usually from someone over 40) that goes like this: “Why is my homeowners insurance getting so expensive. And why is car insurance more than ever before?” Inflation: Here the easy answer. Someone who’s been buying homeowners or auto insurance for 30 years will have certainly see an increase. That’s because $500 in 1985 dollars is worth about $1000 in today…Read More
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
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
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
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
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
Not all homeowners insurance are created equal. While there are the basics that are carried — fire, theft, and most weather — there are certain riders that can be added depending on what you want covered. Flood and Earthquake: There aren’t really many fault lines to worry about here in South Dakota. While we might feel huge ones from other parts of the country, it isn’t likely we’d feel …Read More
Having home insurance is a necessity. While you technically own the house, the mortgage lender isn’t going to loan it to you if they know the asset could burn down tomorrow. And while they could sue you for the cost of your remaining mortgage, it’s unlikely they’d ever see any of it as you try to piece your life back together. So while we’ve talked before about some of the more comm…Read More
Insurance has become a way of life. Not only for those of us who sell it, but for everyone, every day. Why are we required to have all of this insurance, anyway? Just who is it protecting, and is it really necessary that we have all of this insurance? Car Insurance - In South Dakota, you are required to have auto insurance that covers the following: liability coverage (insurance that covers…Read More
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 Cree…Read More
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
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
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
