Business Details
50+ Years
experience
Emergency
services
Trusted South Dakota Property Insurance Services
Founded in 1905, Roberts County Farm Mutual Insurance has served South Dakota communities for over a century. As a policyholder-owned mutual insurance company, we prioritize member needs through personalized service and comprehensive coverage options. Our history includes strategic mergers and expansions, including the 2008 acquisition of Central Farm Mutual, extending our reach across western South Dakota. We offer homeowners, ranchowners, and mobilehomeowners policies with customizable deductibles and coverage options.Our team maintains deep local knowledge through 60 statewide agents, combining traditional values with modern insurance solutions. We operate from our Sisseton headquarters, maintaining physical and electronic safeguards for client data privacy. Our claims process emphasizes prompt emergency response while ensuring policyholder control over repair decisions. Through reinsurance partnerships like Agraria Insurance Company, we maintain financial stability to serve 1,900 policyholders statewide.
Services
Homeowners Insurance
Ranchowners Insurance
Mobilehomeowners Insurance
Liability Policies
Rental Property Insurance
Inland Marine Coverage
Farm Liability Insurance
Seasonal Property Insurance
Details
- Year established: 1905
Highlights and features
- We have over 120 years of experience serving South Dakota policyholders
- Our policyholder-owned structure prioritizes member interests over external shareholders
- 60 local agents provide community-specific insurance expertise across the state
- We maintain financial stability through strategic reinsurance partnerships
- Our claims process emphasizes policyholder control over repair decisions
What people say
Local expertise
Personalized service
Community-focused approach
Long-standing reputation
Policyholder ownership
Services
Homeowners Insurance
Our Homeowners Insurance program protects owner-occupied private residences with options for personal property, additional living expense, and private structures. Policies can be written at actual cash value or replacement cost depending on property age and condition. We offer multiple deductible options and inland marine endorsements for specialized coverage needs.
Ranchowners Insurance
Ranchowners Insurance covers owner-occupied residences with farm structures and personal property. Policies include personal property and additional living expense coverage while allowing customization through optional endorsements. Farm buildings and equipment can be included with this comprehensive coverage solution for agricultural properties.
Mobilehomeowners Insurance
We provide Mobilehomeowners Insurance for owner-occupied manufactured homes used exclusively for residential purposes. Coverage includes personal property and additional living expense with actual cash value valuation. Policies require proper foundation support and have a $500 base deductible for singlewide and doublewide classifications.
Liability Policies
Our Liability Policies protect against personal and farm liability risks with premises-only coverage options. These policies safeguard policyholders from financial exposure related to property damage or bodily injury claims occurring on insured properties, providing essential protection for homeowners and agricultural operations.
Rental Property Insurance
Rental Property Insurance covers investment properties with fair rental value protection. Policies require supporting homeowners coverage and provide actual cash value valuation for rental dwellings. We cover scheduled personal property and related structures with a $500 base deductible while maintaining policyholder control over repair decisions.
People
Julie Stapleton
Manager
Julie Stapleton has served as Manager since 2012, overseeing daily operations and customer service at Roberts County Farm Mutual Insurance. With extensive experience in mutual insurance operations, she ensures policyholder needs are met through personalized service and community-focused solutions.
Marcia Peterson
Former Manager
Marcia Peterson managed the company from 1980-2012, guiding its technological transition during her tenure. Her leadership through the computerization of operations in 1987 modernized policy management systems while maintaining the company's community-based approach to insurance services.
Questions
What types of insurance policies do you offer?
We offer Homeowners, Ranchowners, Mobilehomeowners, Liability, and Rental Property insurance policies with customizable coverage options for South Dakota residents.
Are you only available in South Dakota?
Yes, we exclusively serve South Dakota residents through our 60 local agents across the state, focusing on community-specific insurance needs.
Can I pay my insurance premiums online?
Yes, we offer online payment options along with phone and text payment methods for policyholder convenience.
What makes you different from other insurers?
As a policyholder-owned mutual company since 1905, we prioritize local community needs over external shareholders, combining tradition with modern insurance solutions.
Do you offer farm and agricultural coverage?
Yes, our Ranchowners Insurance and Farm Liability policies specifically address agricultural property needs with customizable farm structure and equipment coverage options.
