Business Details
50+ Years
experience
Local Insurance Experts Since 1905
Founded in 1905, we are a policyholder-owned mutual insurance company dedicated to providing comprehensive risk protection solutions across South Dakota. With over a century of service, our organization has grown through strategic mergers while maintaining local decision-making and community focus. Our team of experienced professionals offers personalized insurance products tailored to agricultural, residential, and commercial needs.We maintain strong reinsurance partnerships to ensure financial stability while delivering responsive claims service and risk management expertise. Our commitment to innovation is demonstrated through modernized operations and expanded coverage options that address evolving customer needs.
Services
Homeowners Insurance
Ranchowners Insurance
Mobilehomeowners Insurance
Liability Policies
Rental Property Insurance
Details
- Year established: 1905
Highlights and features
- 120 years of experience serving South Dakota communities
- Policyholder-owned structure prioritizing member interests
- Local agents providing personalized insurance solutions
- Comprehensive coverage options for agricultural and residential properties
- Proven claims handling process with emergency support guidance
Services
Homeowners Insurance
Protects owner-occupied private residences with customizable options for personal property, additional living expenses, and private structures. Offers replacement cost valuation for updated homes and actual cash value for older properties. Includes deductible options and inland marine endorsements for comprehensive protection.
Ranchowners Insurance
Specialized protection for owner-occupied rural properties including farm structures, equipment, and personal property. Provides replacement cost or actual cash value options with customizable endorsements for agricultural operations. Designed to meet the unique needs of working ranches and farms.
Mobilehomeowners Insurance
Tailored insurance for owner-occupied mobile and manufactured homes with personal property and living expense coverage. Requires proper foundation installation and offers singlewide/doublewide classifications. Provides actual cash value protection with standardized deductible requirements.
Liability Policies
Covers personal and farm liability risks with premises-only options. Protects against third-party claims for bodily injury or property damage. Includes fair rental value coverage for insured properties while maintaining strict underwriting standards.
Rental Property Insurance
Provides protection for rental dwellings with scheduled personal property and fair rental value compensation. Requires supporting homeowners coverage and written actual cash value assessment. Includes base deductible requirements for consistent risk management across investment properties.
People
Julie Stapleton
Manager
Experienced insurance professional leading operations since 2012 with over three decades of industry expertise. Oversees daily operations and customer service initiatives.
Sue Fischer
Staff
Dedicated insurance team member providing policyholder support and administrative services. Contributes to efficient operations and customer satisfaction.
Tammy Chase
Staff
Insurance professional handling policy administration and customer inquiries. Committed to delivering personalized service to policyholders.
Jeff Long
Director
Board member providing strategic oversight and governance. Contributes industry knowledge and community perspective to company decision-making.
Karen Gangle
Director
Experienced director offering guidance on risk management and business strategy. Represents policyholder interests in corporate governance matters.
Questions
What insurance products do you offer?
We provide homeowners, ranchowners, mobilehomeowners, liability, and rental property insurance policies tailored to South Dakota residents.
How can I make a payment?
Payments can be made online, by phone, or through text messaging using our secure payment processing system.
What should I do after a claim?
Protect property from further damage, report losses promptly, document damages, and obtain repair estimates while preserving evidence for adjusters.
Are you locally owned?
Yes, we're a South Dakota-based mutual insurance company owned by our policyholders with local decision-making authority.
Do you cover agricultural properties?
Yes, we specialize in ranchowners and farm liability policies with customized coverage for agricultural operations and equipment.
