by SFInsurance | Aug 4, 2026 | Uncategorized
A parent’s homeowners insurance policy may extend limited coverage to a college student’s laptops, phones, and tech while living in a dorm, but off-premises limits, high deductibles, and strict exclusions often leave gaps. Once a student moves into an...
by SFInsurance | Jul 13, 2026 | Uncategorized
Unlike most states, South Dakota law does not require employers to purchase workers’ compensation insurance. Participation is entirely voluntary for business owners. However, choosing to go uninsured exposes a business to civil lawsuits where an injured employee...
by SFInsurance | Jun 4, 2026 | Uncategorized
Standard homeowners and auto insurance policies generally do not provide liability or physical damage coverage for recreational vehicles like boats, jet skis, and UTVs once they leave your private property. While a home policy might cover a small watercraft parked...
by SFInsurance | May 11, 2026 | Uncategorized
Multi-Peril Crop Insurance (MPCI) is a federally subsidized program that protects South Dakota farmers against unavoidable natural disasters, including drought, excessive moisture, and disease. Unlike standard property insurance, MPCI must be purchased prior to...
by SFInsurance | Apr 8, 2026 | Uncategorized
Standard homeowners insurance typically does not provide liability or physical damage coverage for golf carts once they leave your private property. While your home policy may cover the cart while it is parked in your garage, you generally need a specialized golf cart...
by SFInsurance | Mar 4, 2026 | Uncategorized
Most standard homeowners insurance policies do not cover home-based businesses, as they specifically exclude “business pursuits” from liability and property protection. While a personal policy protects your furniture and clothing, it often limits business...
