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Homeowners Insurance | Protecting Your Home Sweet Home

New home - Home Insurance by BankWest

Protect your home with a South Dakota homeowners insurance policy from BankWest. Home is where we raise our families, celebrate holidays and put our feet up at the end of the day. It’s also one of the biggest investments most of us will ever make. So you want to be sure your home is adequately protected with a BankWest homeowners insurance policy.

A South Dakota homeowners insurance policy from BankWest protects you from many things including fire, storm damage, burglary and more. Everyone’s situation is a little different, however, so it’s important to work with an agent you trust to ensure you are adequately covered if the unexpected occurs.

Consider the following homeowners insurance policy options:

Dwelling coverage
Pays to repair or rebuild your home if it is damaged or destroyed by a cause covered under your policy.
Personal property coverage
Pays to replace personal items in your home if they are damaged or destroyed by a cause covered under your policy.
Liability coverage
Protects you and your family against claims arising on property you own or rent.

Your BankWest Insurance professionals can help you learn about specific or unique coverage, depending upon your personal situation and needs. The following are examples of insurance coverage that most common policies provide:


Dwelling coverage
This homeowners insurance coverage pays to repair or rebuild your home (including electrical wiring, plumbing, heating and cooling) if it’s damaged by a cause covered under your policy. Typical covered causes include fire, wind, vandalism, hail and other disasters. Flooding is generally not included, so a special rider would be required. Your BankWest Insurance professional can explain different scenarios and how they would be handled.


Other structures
Pays to repair or replace other structures on your property including detached garages, garden sheds or even that white, picket fence.


Personal property
When disasters occur, the contents of your home are also at risk. This homeowners insurance coverage will reimburse you for the loss of personal items. Typical contents include furniture, computers and electronics, jewelry, sporting goods equipment and other household items. When visiting with your BankWest Insurance professional, it’s a good idea to have a comprehensive list of your major household assets.


Loss of use coverage
If you are temporarily displaced from your home, this homeowners insurance coverage will pay for your additional housing and living expenses while it’s being repaired.


Liability insurance
You never can tell when you or a member of your family (or your pets) will be faced with a lawsuit. Liability insurance covers you for injuries that occur on your property, damages caused by family members or any number of other scenarios. Our BankWest Insurance professionals can suggest coverage levels, based upon your personal, financial situation.


Additional home coverages
There are many other types of homeowners insurance coverage available. Our BankWest Insurance professionals are trained to ask the right questions and ensure you receive the best coverage at a fair price. Contact us today!

BankWest works with dozens of companies to ensure that you have the right protection for your specific needs

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Our Customers Put it Best: What Makes BankWest Great

“BankWest Insurance makes my life easier. They get me the best coverage at the best price, keep my policies up to date, and are a pleasure to do business with.”

Dr. Kurt Anderson
Anderson Dental in Rapid City
Kurt Anderson

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