home owners insurance rapid city

   We’ve talked before about the many reasons you might see an increase in your homeowners insurance quotes. The ones we talked about are pretty common, including natural disasters in other parts of the country, claims by your neighbors, and basic inflation. But those aren’t the only things that will affect your home insurance rates. Here are a few more changes that could cause you to se…Read More

  Whether you pay your home insurance every year in one lump sum or have it taken out via escrow every month with your mortgage, you’ve probably noticed that it tends to go up a little year after year. But why? If you haven’t made a claim, why is there an increase. Are the insurance companies simply trying to make more and more money? Not always. There are usually forces in play that are …Read More

    We recently talked about the types of homeowners insurance riders that you might need for stuff around your house, stuff you might not realize isn’t covered. Now let’s talk about some collectibles that will probably also need a rider if you want them covered. Artwork: You took the painting from your great-grandmother's house to Antiques Roadshow and found out that it’s a piece …Read More

  One of our first blogs was about how good a deal home insurance is. After all, you’re covering your incredibly expensive home and most of the articles inside for a relatively small amount every year. It’s certainly the type of insurance that most people see the most return on if something should ever go horribly wrong. But not everything is covered, because not everyone has the same stu…Read More

  We’ve talked before about some of the determiners that will affect your homeowners insurance quotes. But it goes even deeper than that. Here are a few more things that can determine how much you’ll be paying. Having A Firehouse Nearby — Ever since electricity replaced open flames as the main source of light and heat, fires aren’t nearly the concern they were 150 years ago. But when …Read More

We’ve talked before about general terms that are used throughout the insurance industry and about specific terms you might hear when looking for auto insurance. So what about home insurance, aka homeowners insurance? No surprise that there are some terms that you’ll usually only head when talking about a house. Inflation protection: Your car depreciates. Most of the stuff in your home is worth…Read More

We’ve talked about the Black Hills Flood back in 1972, when the Rapid Creek flooded and took over 1300 homes. While much has been done to prevent that from happening again, it’s not just the water from an overflowing river that you have to worry about. Water can come from many places, including: Burst pipes - Does it get cold in Rapid City? Silly question, right? If your heat goes out, you mig…Read More

  We deal with the same types of insurance every day, and sometimes it’s fun to take a look at some of the weirder policies that people have purchased. We’ll, weird to you, but we’re sure they were perfectly normal for those who bought them. Haunted House Insurance: We’re talking about the haunted houses that spring up every fall and cater to the Halloween crowd. Each year they get sc…Read More