Business Details
31 Years
experience
Your Trusted Independent Insurance Agency
Puthoff Insurance has served South Dakota communities since 1995, providing comprehensive insurance solutions tailored to individual and business needs. Acquired in 2019 by long-time employees Jim Knudson and Dave Puthoff through Ag Underwriters LLC, our agency maintains a legacy of personalized service combined with modern expertise. As members of Independent Insurance Agencies of South Dakota and a Trusted Choice Agency, we prioritize community involvement and ethical practices. Our team of experienced agents specializes in matching clients with optimal coverage across personal and commercial lines without requiring multiple points of contact.With three convenient locations in Watertown, Hartford, and Howard, we deliver localized knowledge while representing multiple top-rated carriers to ensure competitive pricing and customized protection strategies. Our motto 'not being the biggest just the best' reflects our commitment to quality service over scale, offering farm insurance expertise unique to South Dakota's agricultural landscape.
Services
Auto Insurance
Home Insurance
Business Insurance
Life Insurance
Farm Insurance
Health Insurance
Contractors Insurance
Agri-Business Insurance
Umbrella Coverage
Motorcycle Insurance
Details
- Year established: 1995
Highlights and features
- Locally-owned since 1995 with deep community knowledge
- Experienced agents handling both personal and commercial lines
- Access to multiple insurance carriers for competitive pricing
- Specialized farm insurance expertise for South Dakota agriculture
- Single-agent service model for streamlined client experience
Associations and certifications
- Independent Insurance Agencies of South Dakota
- Trusted Choice Agency
Services
Auto Insurance
We provide comprehensive auto insurance solutions tailored to individual driving needs. Our policies include collision/comprehensive coverage, liability protection, road service, and lease/loan gap coverage. With personalized advice, we help clients select optimal protection levels for their vehicles and lifestyle while ensuring compliance with South Dakota requirements.
Farm Insurance
Specialized insurance for South Dakota's agricultural community, covering hobby farms to commercial operations. We address unique risks for feed/seed dealers and agribusinesses through top-rated carriers. Policies protect against property damage, liability claims, and crop-related losses while offering competitive pricing tailored to specific farming exposures across the state.
Business Insurance
Customized protection packages for diverse business needs, including property insurance, general liability, workers' compensation, and business owners policies. We specialize in contractor insurance and agri-business coverage, creating solutions that protect assets while supporting growth. Our experienced team tailors policies to specific industry risks and regulatory requirements.
Life Insurance
We offer term and permanent life insurance solutions to secure financial futures for dependents. Our agents help determine appropriate coverage amounts based on family needs, income replacement requirements, and business continuity planning. Policies provide death benefits for final expenses, mortgage protection, and legacy planning across all life stages.
Home Insurance
Comprehensive homeowners insurance covering primary residences, personal property, and liability risks. We also provide condo and renters insurance options. Policies protect against common perils like fire, theft, and weather damage while offering additional coverage for high-value items and living expenses during repairs.
Questions
What types of insurance do you offer?
We provide personal insurance (auto, home, life, farm) and commercial insurance (property, liability, workers' comp) with specialized coverage for contractors and agribusinesses.
Are you a local South Dakota agency?
Yes, we've operated in South Dakota since 1995 with three office locations in Watertown, Hartford, and Howard, serving local communities' insurance needs.
How do you help find the best insurance rates?
As an independent agency representing multiple top-rated carriers, we compare options across companies to find competitive pricing tailored to your specific coverage needs.
Can I get insurance for both personal and business needs?
Yes, our agents handle both personal and commercial lines, providing comprehensive protection for individuals and businesses without requiring multiple agents.
Do you specialize in any particular insurance areas?
We have particular expertise in farm insurance and agri-business coverage specific to South Dakota's agricultural industry, along with contractor insurance solutions.
