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Wilcoxon Insurance, Inc.

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

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How Home Insurance Preserves Community Investments

Beyond safeguarding individual properties in and around the Sioux Falls, SD, area, home insurance plays a crucial role in preserving community investments by ensuring residential neighborhoods’ stability, resilience, and long-term viability.

Protection Against Property Damage

One of the primary functions of home insurance is to provide coverage against property damage. By safeguarding homes against these risks, insurance policies preserve the physical integrity and value of residential properties within a community. This protection is essential for maintaining property values, attracting potential buyers, and sustaining a vibrant and desirable neighborhood environment.

Financial Security for Homeowners

If something is lost or damaged to the homeowner’s property, they rely on insurance coverage to recover financially and rebuild their lives. Home insurance policies provide financial assistance for repairs, replacements, and temporary living expenses, alleviating the financial burden on homeowners and preventing them from experiencing significant economic setbacks. This financial security ensures that homeowners can remain in their homes and continue contributing positively to the community.

Liability Protection for Homeowners

Home insurance includes liability, protecting homeowners from property damages and accidents. When a lawsuit or claim is filed, insurance policies cover legal defense costs, shielding homeowners from financial losses and preserving their assets. This liability protection promotes a sense of security and peace of mind among the community.

Mitigating Community Risks

When residents are adequately insured against potential perils, the likelihood of financial distress or property abandonment decreases, leading to more excellent community stability and resilience. Moreover, insurance coverage facilitates prompt recovery and rebuilding efforts in the aftermath of disasters or emergencies, minimizing disruptions and preserving the continuity of community life.

How Wilcoxon Insurance Inc. Can Help You

At Wilcoxon Insurance Inc., we can help answer questions concerning home insurance. We serve the Sioux Falls, SD area. Call us today. 

Seek Insurance Coverage for Electronics and Other Valuables

Renters’ Insurance: A Crucial Addition for Your Leased Apartment

Renters’ insurance should be on your checklist if you plan to lease an apartment soon. Start by compiling a list of your valuable electronics and other possessions. After, consider getting these items professionally appraised. The assessed value will guide you in determining the extent of your insurance coverage.

Inventory Your Possessions

Prepare an extensive list of valuables you plan to move into your leased living space. Document the condition of each item and capture photographs as proof of ownership. High-ticket items should be specifically appraised to ensure proper coverage within your policy.

Inspect Your Potential Property

It’s crucial to conduct thorough inspections of potential rentals. These inspections should assess the building condition and the quality of the installed security features. Despite planning for renters’ insurance, securing living quarters is key. Choose apartments with modern lighting, alarm systems, and other security installations to reduce the risk of possession loss.

Comparison of Policies

Compare various renters’ insurance products. Remember that the volume and value of items you’re covering will greatly influence the type of policy you need. Familiarize yourself with the coverage options on offer. This will guide you in selecting an insurance plan that offers the utmost protection.

Contact Wilcoxon Insurance Inc.

Our team at Wilcoxon Insurance Inc. is eager to assist you. Please schedule a consultation with one of our Sioux Falls, SD representatives. The agent will coordinate the preparation of all necessary renters’ insurance documentation associated with your new policy.

Does Your Sioux Falls Area Home Have the Protection It Needs?

When it comes to protecting your home in the greater Sioux Falls, SD area, turn to the team at Wilcoxon Insurance Inc. Our team is proud to serve the insurance needs of our community, and we look forward to working with you too! We’re here to answer any questions you have and help you review your current policy to ensure that there aren’t any gaps in coverage.

Now’s the Time to Review Your Home Policy

Your home insurance policy needs can change over time. As the value of your house changes, so too will your insurance needs. It’s advisable to review your policy on a regular basis, at least once a year. Many of our clients find that they simply renew their homeowners policies year after year without looking at them too closely. 

If it’s been a year or more since you’ve made a careful review of your policy, now is an ideal time. If you’ve recently made improvements to your home, or the value of houses in your immediate area has increased, you’ll want to make sure that you have an appropriate level of coverage. And, if you’re planning to undergo a major project, such as an addition, it’s important to double-check that you have adequate liability protection in place.

Give us a call or stop by today!

Wilcoxon Insurance Inc. is here to serve Sioux Falls, SD and the surrounding communities. If you have questions about homeowner’s insurance, we’re here to help. Call our office or stop by today to learn more about our services. We look forward to seeing you soon!

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.

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