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Wilcoxon Insurance, Inc.

4804 S. Minnesota Ave., Ste 103
Sioux Falls, SD 57108

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5 Tips to Keep Your Home Safe While You’re on Vacation

Wilcoxon Insurance Inc., serving the greater Sioux Falls, SD community, offers home insurance to cover many of the things that can go wrong when you’re not there. But the best action is proactive, so here are five tips to keep your home safe while you’re enjoying your vacation.

Keeping Your Home Safe While On Vacation

1. Install an Alarm System

A home alarm system works in two ways; it deters burglars when you place an alarm notification in plain sight, and it also activates emergency response if your home is breached. The resulting loud alarm sounds will also force any burglars to try to make a swift exit, limiting damages and losses.

2. Unplug Everything

In your absence, there could be power surges or other electrical anomalies that raise the risk of damage or even fire. Keep your electronics and home safe by unplugging everything before you head out on vacation.

3. Move the Spare Key

If you keep a spare key on your property, remove it so that savvy burglars can’t get hold of it. Instead, ask a trusted friend or family member to take care of it.

4. Turn off the Water

To reduce the risk of flooding, turn off the water to your house at the main valve, located outside. This way, if a pipe suddenly bursts or something else out of the ordinary occurs, you won’t come home to water damage.

5. Inform Neighbors

Tell one of your trustworthy neighbors that you’ll be away. They can keep a casual eye on your property and be alert for any unusual activity or events. They can also pick up any packages that may be delivered to your door so it doesn’t appear to passersby that no one’s home.

Reach Out To Us

These simple steps can help protect your house while you’re not home. For help with home insurance needs, contact Wilcoxon Insurance Inc. in the Sioux Falls, SD metroplex.

Roof and Hail Damage: Is Your Home Insurance Policy Good Enough?

Hail is one of the most common severe storm problems in South Dakota and may require you to need help from insurance experts. At Wilcoxon Insurance Inc., we can help Sioux Falls, SD residents understand their coverage options and help to minimize their risk of suffering a serious loss.

Home Insurance Coverage Options

Are You Covered From Hail?

Most home insurance policies include dwelling protection coverage, which helps shield against the possible risks of hail, windstorms, and other dangers. This factor is important because hail is responsible for nearly 75% of all home losses caused by severe storms each year.

What expenses can your insurance help you with?

Typically, it aids in the reconstruction of the house’s physical framework and the repair of any damage to the house, such as damage to the roof. It may also aid in the repair of other hail-damaged roof components, such as air conditioning units and other items.

To submit a claim for storm damage, take these steps:

  • Take clear photos of the damage
  • Note the storm’s date and is possible, length
  • Pay attention to every detail of your paperwork
  • Have your agent look your claim over first

If you follow these instructions, you should have little difficulty getting the money you need after a severe hail storm.

Make Sure Your Home Owner Insurance Covers Hail Damage

If you want to guarantee that your home is fully protected in case of hail damage, then it’s time to call Wilcoxon Insurance Inc. Serving the greater Sioux Falls, SD region, our agents understand how devastating the effects of a hail storm can be and are ready to help you guarantee that your home is protected.

3 Benefits of Holding Home Insurance

Your home is likely your most valuable asset, so it makes sense to protect it with home insurance. Home insurance is a type of property insurance that covers your home from damage or loss. It can cover your dwelling, personal belongings, liability, and more.

Here are three benefits of holding home insurance:

1. Home insurance can protect you financially in the event of any home damage or loss. The damage can be due to events like fires, severe weather, theft, or vandalism.

2. Home insurance can help you pay for repairs or replacements if your home is damaged or destroyed.

3. Home insurance can give you peace of mind knowing that your home is protected in the event of an unexpected incident.

Home insurance is an essential type of protection for your most valuable asset. If you’re not already carrying home insurance, consider the many benefits it can provide and how it can help you in the event of an unexpected incident. You’re in luck if you’re located in or around Sioux Falls, SD. That’s because we’re there.

Contact Wilcoxon Insurance Inc. for Home Insurance

At Wilcoxon Insurance Inc., we understand that your home is your most important asset. That’s why we offer a wide range of home insurance options to fit your specific needs. Whether you desire basic or comprehensive protection, we can help you find the best policy for you.

We’ve proudly served Sioux Falls, SD since 2019. And since then, we’ve made a difference in the lives of our clients by helping to get them insured. Head over to our contact page next to get a free quote on home insurance.

How to create and store a home inventory

You will never really appreciate how valuable a home inventory is until you have to file a claim. It is time-consuming, there is no doubt, but it will save a lot of stress when you need to let the insurance company know what you have lost. At Wilcoxon Insurance Inc. in Sioux Falls, SD we will be there for you when you need us.

Home Inventory: A Comprehensive Guide

Have a plan before you start to create your home inventory. Pick a room to start in and don’t move on to the next room until you have recorded everything in that room. Open drawers, look in closets, count the pictures on the wall, and leave no stone unturned. Give as much detail as possible in your description, including model names and numbers. Take pictures of the room from a variety of angles, especially focusing on any expensive items. If you have receipts, attach them to the page.

Take your time and make sure you include everything. When you have completed all the rooms, head for the attic, basement, and garage. Don’t forget to include things like your cell phone which may be in your purse or pocket.

After the inventory is complete, it is important that it be placed in a safe place where in the event a hazard hits your home, you will be able to access it. It is better to store it away from the home so that you can be sure that it will survive. At the very least it should be in a fire and waterproof case. It is a good idea to have more than one copy and, ideally, storing one in the cloud will guarantee that it will survive and you will be able to use it.

Give Us A Call

Contact Wilcoxon Insurance Inc. in Sioux Falls, SD when you are looking for a new insurance agent or need your home policy reviewed.

A Beginners Guide to Home Insurance

Although home insurance may be optional if you don’t have a mortgage, it is really an absolute necessity. Given that your home is likely your most expensive purchase and investment, the cost to repair or replace it after a storm or incident is likely to be unattainable for many. Luckily, insurance is here to help by covering certain incidents up to your policy limits. At Wilcoxon Insurance Inc. in Sioux Falls, SD we understand that insurance can be complicated, so keep reading to learn more about home insurance.

When shopping for a homeowners insurance policy, you’ll want to find one that fits your needs. Generally speaking, the policy you purchase should include enough coverage to do the following:

  • Rebuild your home if it is deemed a total loss.
  • Replace your personal belongings such as furniture, clothes, jewelry, and electronics.
  • Cover the cost of medical bills and legal fees associated with a third-party liability claim that happens on your property.
  • Offer coverage to pay for living expenses, also known as loss of use, if your house is uninhabitable after a covered loss.

The cost of homeowners insurance is largely dependent on where your home is located and the coverage amounts that you choose. If you are looking to lower your rates, consider raising your insurance deductible or the amount that you must pay before the insurance company does, bundle your other insurance policies together, and maintain a good credit score.

If you are a new home buyer in Sioux Falls, SD, Wilcoxon Insurance Inc. is here to help with your insurance needs. Give us a call today to learn more about homeowners insurance and the services offered by our team.

South Dakota Home Insurance: Why You Need Home Security

When you have a home, you have a building filled with your dreams. Protecting those dreams is the greatest benefit to home security. Of course, it helps with your home insurance as well, but that’s because you are lowering the risks of property and contents damage.

At Wilcoxon Insurance Inc., we want Sioux Falls, SD homeowners to be safer in their homes.

Learn about these key benefits of home security.

Protecting Your Valuables

Of course, a home security system is intended to protect humans in the home, but it also protects your valuable possessions. You may not think you have that much, but in the eyes of the insurance company, you do.

A good home security system will help you to keep the things that you’ve worked your entire life for.


Security systems will minimize your risk of becoming a victim of a crime as they serve as a deterrent. Criminals do not want to get caught.

When people around your home know that you are monitoring your property, they are less likely to try and get in. It won’t deter everyone, but it will deter many. That’s more peace of mind than you would have without one.

Remote Access

Today you can get security cameras for your interior for very affordable rates. Many will sync with your phone and you can get a live view, remote notifications, and see what is happening as it happens.

This allows you to handle vandals remotely, and also detect problems remotely. It may not be a vandal. It could be a fire, a water leak, any problem at all that could put your property at risk or peril.

Security systems make sense as they reduce risks. This is why your home insurance company likes them so much. You will too.

Get a Quote

To see the impact a home security system can have on your home insurance, get a quote to update your policy. At Wilcoxon Insurance Inc., we want Sioux Falls, SD homeowners to feel safe in their homes. We can help you update your policy to reflect more security and peace of mind. Call us for a quote today.

Keeping your home safe while you are on vacation

You wait all year for the opportunity to go away on vacation. As the date approaches you to start thinking about leaving your home alone while you are away and the thought that you need to take some safety precautions dawns on you. By taking a few actions you can make your home is much less likely to be targeted. At Wilcoxon Insurance Inc. in Sioux Falls, SD, we believe in providing our customers with tailor-made insurance products that they can afford.

Stop your mail delivery

It is very easy to put a stop to your mail delivery. You can do it online at the USPS website. Also, stop the newspaper if you get one.

Arm your alarm

If you have a home alarm system make sure it is turned on. Lock all your doors and windows and if you don’t have an alarm, get the signs that say you do have one. They are a worthwhile investment.

Have lights on timers

If you want your home to look lived in, it helps to have lights in different rooms that will turn on and off at scheduled times. Do it as randomly as possible.

Park a car in your driveway

If you have a second car, make sure it is out sitting in your driveway. If not, maybe you can borrow one from a family member or friend.

Talk to your neighbor

Let your neighbor know that you will be away and ask them to keep an eye on your home for you

Don’t announce your vacation plans on social media

You can feel free to post pictures when you return but before and during your vacation don’t tell everyone where you are and when you are returning.

When it comes to home insurance, you can count on Wilcoxon Insurance Inc. in Sioux Falls, SD for all your insurance needs.

Frequently Asked Questions About South Dakota Home Insurance.

Do you own a home in the Sioux Falls, SD area? If you do, you already know it is one of the most beautiful places to live. At Wilcoxon Insurance Inc., we are proud to serve homeowners, renters, travelers, and businesses with quality insurance services. Here are a few common questions about homeowner’s insurance:

Home Insurance FAQs in South Dakota

  • How much homeowner’s insurance is required in South Dakota? Legally, you do not have to have homeowner’s insurance if you own your home outright. If you have a mortgage, your mortgage company likely requires enough coverage to cover the remaining cost of the loan. Although it is not a legal requirement, it is an affordable way to protect your family’s assets.
  • Is my home covered in the event of a flood? Typically, homeowner’s insurance does not cover flood damage. This is why adding flood coverage is a good idea if you live in an area with any risk. There are various affordable options to protect your home from the unique risks that may be in your area.
  • How much coverage do I need? If you have a mortgage, you need at least enough coverage to cover the cost of your home. If you do not have a mortgage, then each situation is unique, but we will be happy to discuss your coverage needs, so you have the exact protection you need.

Wilcoxon Insurance Inc. serves Sioux Falls, SD with friendly and efficient service. If you have any questions about homeowners insurance, give us a call, and we will be happy to make it as easy as possible for you to get the coverage you need.

3 Tips for Buy Homeowner’s Insurance in South Dakota

Sioux Falls, SD is a beautiful place to live. If you own a home here or are currently purchasing one, having a homeowner’s policy is a smart idea. In fact, it’s mandatory to have a policy if you mortgage your home. This is how the bank protects their investment. Even if you own your home outright, it’s still a good idea to secure a homeowner’s policy. You never know when something might happen, such as a fire, theft, or a liability accident. Are you ready to get started? Then read on to learn how to easily and affordably secure a homeowner’s insurance policy.

1. Compare Quotes

You’ll want to compare several quotes before choosing the right one. This is a good time to ask questions, take notes, and compare coverage vs. cost. A reputable agent from Wilcoxon Insurance Inc. can help you with this task. We recommend comparing three to five quotes to really understand the differences in coverage and cost. Remember that flood insurance is not included in a standard homeowner’s policy, so you may want to ask your insurance agent about this.

2. Bundle Policies

One way to save on your premiums is to bundle your homeowner’s policy with your other insurance policies. Consider bundling your auto, life, and any other policies you have. Then take that savings and add umbrella insurance to be protected to the maximum.

3. Work with a Reputable Agent

The reputable agents at Wilcoxon Insurance Inc. are standing by to answer all your questions about homeowner’s insurance. They will help you compare quotes and bundle your policies. To learn more, contact one of our friendly agents serving Sioux Falls, SD today.

Things that can go wrong with your home that insurance won’t cover

Owning a home in Sioux Falls, SD is something people aspire to accomplish. Homeownership is part of the American dream. When you own a home, you will need to carry home insurance if you have a mortgage to protect the lender’s investment in your home. Your home insurance also offers you, as the homeowner, lots of protection in the form of personal property and liability. But many things can go wrong with your home and it may not be covered by home insurance. It is crucial you know what these things are. At Wilcoxon Insurance, Inc., we use our years of experience to make your insurance experience positive and productive and give you the facts you need to make an educated decision.

Many of the things that can go wrong with your home are the result of neglect. Mold, mildew, termites, and rodent infestations are all not covered. If you fail to replace your roof and it causes wood rot, this is not included. If your sewer backs up into your house or a sump pump fails, you are out of luck. If a sinkhole appears in your yard or under your home, it is not covered. Hurricane damage may be cover but always check, and floods and earthquakes are not included in your coverage.

Reading your policy is one of the most important things that you can do to make sure you have all the coverage you need. Just because something is excluded from your policy doesn’t mean that you can’t get an endorsement to give you the coverage you need. Talking to the team at Wilcoxon Insurance, Inc. in Sioux Falls, SD can make all the difference when it comes to getting all the coverage you deserve. Give the office a call to make an appointment today.

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