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Find Home Insurance Agents Near You in Watertown, SD

Browse home insurance agents serving Watertown, South Dakota. Updated 2026-07-14.

The top-rated home insurance agent in Watertown, South Dakota is Phillip Matthews - State Farm Insurance Agent, rated 5.0 stars across 362 reviews. Other highly rated options include Meyer Insurance, Bill Speier - State Farm Insurance Agent, KRANZ INSURANCE - Watertown Insurance LLC. This directory lists 20 home insurance agents serving Watertown.

Showing 20 home insurance agents in Watertown, SDListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Phillip Matthews - State Farm Insurance Agent208 E Kemp Ave #2(605) 882-1252
2Meyer Insurance1933 Willow Creek Dr(605) 753-5698
3Bill Speier - State Farm Insurance Agent314 4th St NE(605) 882-4578
4KRANZ INSURANCE - Watertown Insurance LLC521 10th St NW(605) 886-4200
5Wishard Insurance922 W Kemp Ave(605) 882-5773
6Steve Gales - State Farm Insurance Agent920 5th St SE(605) 886-5969
7Schulz Insurance24 N Broadway(605) 886-1525
8Puthoff Insurance Agency-Watertown1608 9th Ave SW(605) 886-9319
9Glacial Lakes Insurance Inc.1505 10th Ave SE #2(605) 956-3445
10Leavitt Heartland Insurance812 10th St SW(605) 882-1688
PM
208 E Kemp Ave #2
Phillip Matthews - State Farm Insurance Agent
Home Insurance Agent · Watertown, SD

Phillip Matthews - State Farm Insurance Agent provides a full range of home insurance coverage, including protection for the dwelling, personal property, and liability. The agency offers routine policy reviews and updates to ensure adequate protection as circumstances change. It also assists clients with filing claims and navigating the recovery process after a loss. Service is tailored to the Watertown community, covering single-family homes, apartments, retail, and restaurants.

MI
1933 Willow Creek Dr
Meyer Insurance
Home Insurance Agent · Watertown, SD

Meyer Insurance serves the Watertown, South Dakota area as a local home insurance agent. The agency assists homeowners in selecting policies that provide financial protection for their property and personal belongings. As a home insurance agent, Meyer Insurance works with area residents to navigate coverage options for single-family homes, condos, and rental properties. The company helps clients assess their individual needs for dwelling and liability coverage. Meyer Insurance further handles the processing of claims and policy adjustments for existing homeowners in the Watertown region.

BS
314 4th St NE
Bill Speier - State Farm Insurance Agent
Home Insurance Agent · Watertown, SD

Homeowners, businesses, and property managers in Watertown turn to Bill Speier - State Farm Insurance Agent for home insurance coverage tailored to their individual needs. The agency helps clients evaluate dwelling protection, personal property coverage, and liability options to safeguard their investments against common regional risks. Policyholders receive guidance in selecting deductibles and endorsements that fit their specific property and budget. The team also assists local residents in nearby communities such as Lake Kampeska and the broader Codington County area with comparable home insurance solutions.

KI
521 10th St NW
KRANZ INSURANCE - Watertown Insurance LLC
Home Insurance Agent · Watertown, SD

KRANZ INSURANCE - Watertown LLC serves Watertown, SD, and the surrounding Codington County communities. As a home insurance agent, the agency handles policies for single-family houses, condominiums, and rental properties in the area. It works with clients to assess coverage needs for the structure, personal belongings, and liability. The general approach it uses for a typical job is to review the property’s specific risks, including local weather patterns, and then present a few coverage options that balance protection with the client’s budget.

WI
922 W Kemp Ave
Wishard Insurance
Home Insurance Agent · Watertown, SD

Wishard Insurance serves homeowners in Watertown, SD, by helping them distinguish between a single policy purchase for a new home and a multi-year arrangement that adjusts coverage as property values change. Their home insurance agents tailor policies to protect dwellings and personal belongings from local risks such as severe weather. Whether a client needs a one-time quote for a quick closing or recurring annual reviews to update deductibles and endorsements, the service is available on an as-needed basis.

SG
920 5th St SE
Steve Gales - State Farm Insurance Agent
Home Insurance Agent · Watertown, SD

As a home insurance agent in Watertown, SD, Steve Gales - State Farm Insurance Agent provides specialized policy options that protect dwellings, personal belongings, and liability exposure. The agency works with local homeowners to understand coverage needs, including protection against wind, hail, fire, and theft that are common in the region. They also assist with adjusting deductibles and adding endorsements for valuables. The agency helps area residents assess their coverage before winter storms arrive, ensuring that damage from ice damming or heavy snow accumulation is properly addressed.

SI
24 N Broadway
Schulz Insurance
Home Insurance Agent · Watertown, SD

As winter storms threaten Watertown properties, homeowners seek reliable protection against unexpected damage. Schulz Insurance provides comprehensive home insurance guidance, helping local residents secure coverage suited for South Dakota’s variable climate. Clients receive clear explanations of policy options, including protection against wind, hail, and ice damming common to the region. Each consultation ensures property exposures are identified before binding any agreement. A thorough inspection of the home and its surrounding structures marks the initial assessment step.

PI
1608 9th Ave SW
Puthoff Insurance Agency-Watertown
Home Insurance Agent · Watertown, SD

Puthoff Insurance Agency-Watertown assists homeowners in finding policies that protect their property and belongings. It can help clients add endorsements for valuable items such as jewelry or electronics. The agency evaluates local risks like severe weather when discussing coverage options. It provides guidance on liability protection related to personal injuries on the property. Puthoff Insurance Agency-Watertown also serves commercial sectors such as offices, warehouses, and food service establishments needing tailored property insurance.

GL
1505 10th Ave SE #2
Glacial Lakes Insurance Inc.
Home Insurance Agent · Watertown, SD

Glacial Lakes Insurance Inc. in Watertown, SD, assists homeowners with residential policies alongside commercial coverage options for local businesses. Their service area includes Watertown and surrounding communities. Understanding that each home and commercial property carries distinct needs, the agency works to tailor protection that fits diverse local structures and exposures. Clients consistently receive careful guidance when filing claims or adjusting their existing portfolios. The company remains available for follow-up service between regular visits, ensuring policyholders maintain appropriate coverage as their circumstances evolve.

LH
812 10th St SW
Leavitt Heartland Insurance
Home Insurance Agent · Watertown, SD

Leavitt Heartland Insurance is known for helping Watertown residents secure reliable home insurance coverage tailored to individual property needs. Its service range includes evaluating dwelling protection, personal belongings, and liability options that safeguard against common regional risks. The company works to explain policy details and coverage limits so homeowners understand their financial safeguards. For added peace of mind, Leavitt Heartland Insurance can arrange umbrella liability extensions to supplement standard home policies.

HI
804 2nd St SE
Heaton Insurance Agency
Home Insurance Agent · Watertown, SD
(605) 878-2111
FI
1505 9th Ave SE Ste B
Farmers Insurance - Pat Shriver
Home Insurance Agent · Watertown, SD
(605) 882-2806
agents.farmers.com/sd/watertown/pat-shriver
AW
12 5th St NE
Acrisure Watertown, SD (Fischer Rounds & Associates)
Home Insurance Agent · Watertown, SD
(605) 886-4361
acrisure.com
WI
1600 4th St NE
World Insurance Associates LLC
Home Insurance Agent · Watertown, SD
(605) 886-9719
locations.worldinsurance.com/american-trust-insurance-a-division-of-world-bbe3c05412f7
FI
922 W Kemp Ave
Farmers Insurance - Toby Wishard
Home Insurance Agent · Watertown, SD
(605) 882-5773
agents.farmers.com/sd/watertown/toby-wishard
BI
1414 9th Ave SE A
Brueggeman Insurance
Home Insurance Agent · Watertown, SD
(605) 886-9043
brueggemaninsurance.com
FU
814 10th St SW
Farmers Union Insurance - Nichols Insurance Agency
Home Insurance Agent · Watertown, SD
(605) 886-9683
FB
414 10th St NW
Farm Bureau Financial Services: Dane Stahl
Home Insurance Agent · Watertown, SD
(605) 954-7970
fbfs.com/find-an-agent/danestahl
KA
401 7th Ave SE
Kinsman Agency Inc
Home Insurance Agent · Watertown, SD
(605) 886-4911
kinsmaninsurance.com
FM
1401 4th St NE
First MainStreet Insurance at Reliabank
Home Insurance Agent · Watertown, SD
(605) 886-5101
firstmainstreetatreliabank.com

What Does a a Home Insurance Agent in Watertown Cost?

The average cost of home insurance in South Dakota is around $1,200 to $1,800 per year for a standard policy. Actual rates depend on your home value, location, deductible, and coverage limits. Watertown rates may vary due to local weather risks. This is general information, not insurance advice.

About home insurance agents in Watertown

Home insurance agents in Watertown, South Dakota help homeowners find policies that protect against common risks like hail and tornado damage. South Dakota law requires insurers to offer coverage for wind and hail, but does not mandate flood insurance. Agents can explain policy details and help you compare quotes from multiple carriers.

Frequently Asked Questions

What does a home insurance agent in Watertown do?

A home insurance agent helps you find a policy that fits your needs and budget. They explain coverage options such as dwelling, personal property, and liability. They also assist with claims and policy changes.

Is flood insurance required in Watertown South Dakota?

Flood insurance is not required by South Dakota state law. However, if your home is in a high-risk flood zone, your mortgage lender may require it. An agent can help you purchase a separate flood policy through the National Flood Insurance Program.

How do I choose a home insurance agent in Watertown?

Look for an agent who is licensed in South Dakota and has experience with local risks like hail and winter storms. Ask about their carrier options and how they handle claims. You can verify a license through the South Dakota Division of Insurance.

Home Insurance Agents in Other South Dakota Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each home insurance agent's credentials and current standing with your state Department of Insurance.