Member-owned in South Dakota since 1905
Insurance that stays close to home.
For 120 years, Roberts County Farm Mutual has protected the homes, farms, and ranches of our neighbors — owned by our policyholders, sold through agents you already know.
What we protect
Coverage built for rural South Dakota
From the farmhouse to the machine shed, we write the coverage families here have counted on for generations.
Homeowners
Protection for owner-occupied homes — dwelling, personal property, private structures, and additional living expense.
Ranch & Farm
Ranchowners coverage for the residence plus farm buildings, structures, and farm personal property.
Mobile & Rental
Manufactured-home and rental-dwelling policies, plus seasonal and fire-only options to fit the property.
Equipment Breakdown
Optional Equipment Breakdown and Service Line coverage to keep the systems in your home running.
Online bill pay
Pay your premium in minutes.
Secure payments, any time — no account required.
The mutual difference
Owned by the neighbors we insure
Roberts Mutual isn’t answerable to outside shareholders. As a mutual, we answer to our policyholders — the same families and farmers who built this company from 102 signatures back in 1897.
- Decisions made locally, in Sisseton — not a distant call center
- Claims handled by people who know South Dakota weather
- A member-elected board and an annual policyholder meeting
Find your agent
Insurance sold the local way
Our coverage is written through 42 trusted independent agencies across South Dakota. Find the one nearest you.