Choosing the best coverage for you and your family is easy when you have the right agent.

Hibner Insurance Agency

Other South Dakota Insurance Options

Finding the right insurance for your personal needs or your business is not always as complicated as it might seem. Lemmon, Nisland, and surrounding area residents can find a wide array of insurance options that cover several different situations. It is not necessary for Bison residents to take any financial risks.

Recreational Coverage

Recreational vehicles in South Dakota need coverage that is specifically designed for the vehicle and the type of activities that take place in that vehicle. A policy might focus on liability or personal injuries rather than focusing solely on damage to the vehicle if an accident occurs.

Commercial Coverage

Commercial insurance plans are different from homeowner and auto policies. The coverage is designed for the needs of a business rather than an individual. The {types: Crop Agribusiness/Farm, Recreational Vehicles, Commercial} coverage options do not necessarily fall under commercial policies, so it may be necessary for businesses that focus on crops to find additional protection even when commercial policies are already in place.

Protecting Other Property

Other property, such as a boat, motorcycle or other vehicle, used for personal recreation will also require appropriate coverage. The best coverage plan for these will vary depending on the specific item and the type of activities that take place.

Finding the Right Plan

The best way to find appropriate coverage for any situation is by working with an independent agency like Hibner Insurance Agency. The agency will provide the opportunity to ask questions, compare quotes and find the best rates for your needs.

Protecting personal assets is not limited to just houses and cars. It is also necessary to protect your business, crops and other belongings that may face damage or problems in the future. Working with an agency will make it easier to select the right plan for your goals, needs and risks.


Your farm operation has grown into a commercial or farm related business, thanks to all your hard work. Now protect your business with an Agribusiness Policy from Hibner Insurance, so you can focus on profits and the future.

What is included in an Agribusiness policy?

Liability Protection

  • Bodily Injury
  • Property damage

Building and Equipment

  • Replacement Cost Coverage
  • Actual Cash Value

Contact a Hibner Insurance Agent for more information today!

Farm & Ranch

Like many other farmers and ranchers, you and your family have invested a lifetime not to mention a small fortune in your farming or ranching business. You know it is important to protect the assets you have worked so hard to acquire, but are you adequately prepared for a disaster?

The typical time for a fire to make a home uninhabitable is generally less than the fire department response time in your area. Are you prepared for this type of disaster? Well, we can help customize an insurance policy that fits your needs. We can design a policy around these coverages:

  • Liability
  • Medical payments
  • Property
  • Fire or lightning
  • Wind or hail
  • Explosion
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Smoke damage
  • Vandalism or malicious mischief
  • Theft
  • Collision
  • Freezing
  • Falling objects
  • Weight of ice, snow or sleet
  • Accidental discharge or overflow of water or steam
  • Sudden and accidental tearing apart, cracking, burning or bulging
  • Sudden and accidental damage from artificially generated electrical current
  • Collapse
  • Optional coverages available:
    • Water backup & sump discharge or overflow
    • Scheduled personal property
    • Replacement cost loss settlement
    • Additional limits for dwelling and property
    • Livestock blizzard protection
    • Livestock mortality
    • Farm machinery rental reimbursement
    • Family medical payments
    • Custom farming
    • Business pursuits

Receive a multi-line discount on your Farm & Ranch policy when you also purchase a Farm & Ranch Auto and/or Crop-Hail policy.

  • Multi-line discount
  • Newer home discount
  • Protective device discounts
  • Longevity discount
  • Excess Liability discount

Contact your local Hibner Insurance Agent for more information.