Business Details
50+ Years
experience
Emergency
services
Your Trusted South Dakota Insurance Partner
Founded in 1916 by a group of South Dakota farmers, De Smet Farm Mutual has dedicated over a century to protecting the livelihoods and lifestyles of local residents. Our company was established to address the lack of insurance options for rural communities, and we remain committed to providing personalized service, affordable rates, and comprehensive coverage tailored to South Dakotans' unique needs. We offer farm, ranch, homeowners, auto, and hobby acreage insurance policies designed to safeguard properties, vehicles, and personal assets while maintaining a deep-rooted connection to the communities we serve.Our team of over 170 local agents combines advanced technology with traditional values to deliver progressive insurance solutions, including bundled plans and loyalty discounts, while prioritizing transparency and neighborly support. Through initiatives like our annual scholarship program and community safety resources, we reinforce our mission of being 'Always here. Always caring' for generations of South Dakota families, farmers, and ranchers.
Services
Farm Insurance
Ranch Insurance
Homeowners Insurance
Auto Insurance
Hobby Acreage Insurance
Excess Liability Insurance
Details
- Year established: 1916
Highlights and features
- We have over 100 years of experience serving South Dakota communities
- Our network includes 170+ local agents across the state
- We offer personalized insurance solutions for rural and urban properties
- We provide loyalty, new home, and companion policy discounts
- Our claims process includes 24/7 roadside assistance options
Services
Farm Insurance
Our farm insurance protects agricultural operations with coverage for farm buildings, machinery, livestock, and liability. Policies are customized to address crop-related risks, equipment protection, and liability concerns while offering discounts for long-term customers. Local agents help farmers select appropriate limits and deductibles.
Homeowners Insurance
Homeowners insurance covers primary residences with protection for structures, personal property, and liability claims. Policies include coverage for dwellings, outbuildings, and personal assets while offering loyalty discounts. Agents explain policy details and help clients understand coverage limitations and exclusions.
Auto Insurance
Auto insurance provides protection for personal and farm vehicles including liability, collision, and comprehensive coverage. Available to existing policyholders, this service offers bundled policy discounts. Coverage extends to recreational vehicles and specialized farm equipment with customizable deductible options.
Hobby Acreage Insurance
Hobby acreage insurance covers non-commercial properties with protection for homes, outbuildings, equipment, and livestock. Designed for larger parcels not covered by standard homeowners policies, this specialized coverage addresses unique risks associated with rural land ownership and recreational use.
Excess Liability Insurance
Excess liability insurance provides additional protection beyond primary policy limits. This coverage safeguards against catastrophic claims by extending liability limits for farm, home, and auto policies. Agents help clients determine appropriate coverage amounts based on individual risk profiles.
Questions
What types of insurance does De Smet Farm Mutual offer?
We offer farm, ranch, homeowners, auto, hobby acreage, and excess liability insurance policies tailored to South Dakota residents' needs.
How can I file a claim?
Report claims online, by phone at 605-854-3337, or through your local agent. Roadside assistance is available for auto policyholders.
Are there discounts available?
Yes, we offer loyalty discounts, new home discounts, and companion policy discounts for bundling multiple insurance products.
Do you cover recreational vehicles?
Yes, our auto insurance policies cover recreational vehicles when bundled with existing farm, ranch, or homeowners policies.
How do I find a local agent?
Visit our Agent Directory page to locate one of our 170+ agents across South Dakota for personalized insurance assistance.
What community initiatives do you support?
We award annual scholarships to South Dakota students and provide safety resources on topics like grain bin safety and weather-related disaster preparedness.
