Home Insurance in Brookings, SD
Compare, shop and customize quotes from top-rated insurance carriers.
Breathe Easy With Customized Brookings, SD, Home Insurance
Go ahead and savor life in Brookings, SD, along with around 24,000 other residents. This comfortable city offers a suburban feel with many opportunities for recreation, whatever your tastes.
Brookings' atmosphere is vibrant and fun. Many residents enjoy outdoor adventures such as hiking. This city and county seat is home to South Dakota State University, one of the city's main employers. Brookings also has numerous restaurants and bars as well as several museums ranging from one focused on children to an art museum to a museum devoted to agricultural heritage.
Job growth is increasing, and there are work opportunities within many industries in Brookings, SD. Brookings is a comfortable city that receives year-round precipitation, including snow in winter. Several nearby bodies of water help moderate temperatures, which average from the 50s to the 80s in summer and from the low teens to the 20s in winter.
Brookings, SD, is not at great risk for general flooding in the next few decades, with only about 8% of the city's properties having a risk of sustaining flood damage. However, the city is at risk for blizzards and strong storm systems with damaging winds. Give yourself the gift of peace of mind with customized home insurance in Brookings, SD. Compare policies with VIU by HUB to find the best rates for the coverage you need.
Choosing Home Insurance in Brookings
While Brookings is an attractive city situated in beautiful surroundings, severe weather events do happen. The right homeowners policy can help you protect your investment. Home insurance in South Dakota usually covers these areas:
- Damage to your property, which usually includes detached structures
- Damaged or stolen personal belongings
- Liability if you cause injury or damage to another person or their property
- Cost of temporary housing if your residence is uninhabitable
Review your policy carefully for what it covers, because policies differ in the specific protections they offer.
Average Cost of Home Insurance in Brookings
Have you checked your home insurance rates recently? In Brookings, residents pay an average of $3279 each year for home insurance. This is higher than the national average of $2417. To find the right coverage for your needs at the best price, Use VIU by HUB's easy tool to quickly compare quotes from multiple insurance providers.
Risks Affecting Home Ownership in Brookings, SD
Brookings' appearance is a charming ode to classic Americana. with an attractive main street and an imposing courthouse, complete with cupola, dating from 1912. However, despite the city's pleasant appearance, as a homeowner in Brookings, you will want to consider home insurance to offset multiple risk factors. Potential dangers include:
- Severe storm systems such as derechos
- Flooding, with a 26% risk of flood damage for some Brookings properties over the next few decades
- Blizzards and ice storms
Although the property crime rate in Brookings is lower than the national average, crime nonetheless threatens homeowners. Cities with higher risks for damage or crime usually have higher insurance rates. In Brookings, home insurance expenses are generally in line with rates in other South Dakota cities, as the most frequent weather and crime risks could occur anywhere within the state. Use VIU by HUB to compare rates on quality home insurance in Brookings, SD, to find the right policy to give you peace of mind.
Easy Home Insurance Comparisons
Shopping for home insurance in Brookings, SD, need not be complicated. VIU by HUB offers an easy-to-use online tool that compares policies from different insurance providers so you can find budget-friendly, customized coverage.
This information is intended for general informational purposes only and is not intended to constitute legal advice.