Homeowners insurance loss-prevention guidance with premium discounts for fire and burglar alarms

How it works

The Division of Insurance’s loss-prevention page tells homeowners that preventing loss is as important as buying insurance. It specifically notes that many insurance companies offer a premium discount for approved fire and burglar alarm systems.

What the discount covers

The page does not set a statewide mandatory discount, fixed amount, or standardized percentage. It simply says many insurers offer a discount for these devices.

Why it is included here

You asked for state-mandated insurance discounts and statewide programs. South Dakota does not appear to publish a separate statewide wildfire-hardening premium discount program on this page, but this is the official state insurance guidance page identifying a discount that homeowners may be able to obtain.

Other wildfire-relevant guidance on the page

The page also recommends using fireproof construction material when building a home whenever possible, and it advises homeowners to inspect their homes carefully several times a year to make sure safety measures are being followed.

Timing and deadlines

No deadline or application process is given on the state page. The homeowner would need to ask their insurer whether the discount is available and what documentation is required.