When you are asking, “what does homeowners insurance cover in South Dakota?”, it is imperative that you remain aware of the fact that homeowners insurance plans are going to differ in what they offer. These differences could depend on a variety of factors, but there are some general features you could expect with a typical basic policy plan. It is important that you know what these features are, and what they should cover, when you are shopping for homeowners insurance policies in South Dakota. Your basic homeowners insurance policy in South Dakota should cover you in the event of personal liability as well as medical payments for other individuals that incurred injury or physical harm while on your property. These are known as the dreaded damage liability claims, and they can happen at any time. Medical liability payments are an essential part of any homeowners insurance coverage. Other basic features include coverage for your personal property, belongings, your house, should they be damaged or lost due to theft, vandalism, or a few other factors. Some coverage options offer premiums that include damage from water damage or other natural weather causes of damage.