Coverage
Protection for home, farm & ranch
Roberts Mutual writes the property and liability coverage rural South Dakota depends on. Your local agent will help you build the policy that fits your place.
Homeowners
Coverage for owner-occupied private residences, including personal property, related private structures, and additional living expense. Newer homes can be written at replacement cost; multiple deductible options are available.
Ranchowners
For the owner-occupied ranch residence, with personal property and living expenses included. Add farm structures, buildings, and farm personal property, with optional broadening endorsements to tailor the policy.
Mobile & Manufactured Home
Written for owner-occupied single- and double-wide homes used as a residence — personal property, private structures, and additional living expense on an actual-cash-value basis with a $500 base deductible.
Rental Dwelling
Protection for rental dwellings, covering the dwelling, scheduled personal property, and fair rental value. Written at actual cash value with a $500 base deductible; supporting homeowner coverage preferred.
Liability
Personal and farm liability options, including premises-only coverage, to protect you if someone is injured or their property is damaged.
Seasonal & Fire-Only
Seasonal coverage (with supporting homeowner coverage) and basic fire-only protection for properties that need a simpler policy.
Inland Marine
Schedule higher-value personal property either as a stand-alone inland-marine policy or as an endorsement on your homeowner coverage.
Equipment Breakdown & Service Line
Optional coverage that helps repair or replace home systems — and the buried service lines that feed them — when they break down. Manage a claim through our Equipment Breakdown portal.
Also available by appointment: Notary services at our Sisseton office (please bring two forms of ID).
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Use our secure portal any time, day or night.