Call Us Today:
800.431.6714

Property Insurance

Strength and Stability for Your Home.

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at McKinneyOlson Insurance, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

  • Fire and Lightning
  • Collisions from Vehicles or Aircraft
  • Hail
  • Sewer/Drain Backup
  • Windstorm
  • Vandalism
  • Volcanic Eruption
  • Smoke
  • Freezing Conditions or Snow

Property Insurance Options to Consider

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative from McKinneyOlson Insurance who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with McKinneyOlson Insurance before making a decision.

Our Locations

*Main Office

7001 S Lyncrest Place Ste 102
Sioux Falls, SD 57108
Main office: 605-370-6218
Toll free: 800-431-6714

Brandon Office

101 S Splitrock Blvd
Brandon, SD 57005
Main office: 605-593-0904
Toll free: 800-431-6714

Our Providers

Testimonials

It seems overall customer service has really waned in American businesses over the past decade. Everything has gone electronic and the personal touch is all but gone. NOT TRUE at McKinney Olson---- it is alive and well!
C.W.
The Brandon Valley School District has been a client of McKinneyOlson Insurance for over 5 years. The level of service we have received has been second to none. We get a very apersonal touch that one would associate with a small agency but have the resources available to us of a larger agency. BV's relationship with McKinneyOlson is much more than client/vendor. It is a partnership in business. Thanks for all you do!
Paul J. Lundberg - Brandon-Valley H.S.
I have been with McKinneyOlson Insurance for a few years now and I am pleased with the different types of insurance that they offer. I don't need to shop around for car insurance, home insurance and life insurance. It's all under one roof. They all work really hard to insure that all of my insurance needs have been met.
Laurie Hilman
I really appreciate talking to a real person who is in South Dakota. Some places you have to push so many buttons to get to a person, McKinneyOlson makes it easy.
Jamie St. Clair
Hi Steve, just a note to say how enjoyable it is to work with the Brandon office of McKinneyOlson. The customer service is outstanding. We've been so impressed with the way in which our roof claim was handled this year. An adjuster was at our home within a few days of contacting your office, and shortly thereafter we received a check from the insurance company. True to their word, within 2 weeks of turning in the receipts for our new roof, we received the final payment in full from Auto Owners Insurance. We were very well satisfied with the settlement. Our thanks to you and Linda for all that you do.
Jeannie P.