Sioux Falls insurance that shows up when life doesn't go to plan.
Hammerstone Insurance Group is an independent agency built on a simple promise: Dependable People. Solid Service. We shop the best carriers in the country so you get the right coverage at the right price — and a real human to call when it matters.
Locally owned. Independently licensed. Hablamos Español.
One agency. Every line you need.
From a single auto policy to a full employee benefits program — we handle the whole stack so you don't have to coordinate five agents.
Built around the client, not the carrier.
Independent agency
We're not tied to one carrier — we shop 30+ to find the right fit for your situation.
Real human service
When you call, you get a person who knows your policy — not a phone tree or chatbot.
Same-day quotes
Most quotes come back the same day. Bind coverage in as little as 24 hours.
Annual policy review
We re-shop at every renewal to make sure you're still getting the best deal.
We answer the phone. We know your name.
Hammerstone is a local independent agency — not a call center. The same advisor who writes your policy is the one who answers when you have a claim, a question, or a life change. That's how insurance is supposed to work.
Trusted by neighbors and businesses across the region.
"Switched our trucking operation over and saved $14k in the first year. They actually answer the phone — that alone was worth it."
"Got my home, auto, and umbrella bundled in one afternoon. Clear explanations, no upsell pressure. Highly recommend."
"Our nonprofit needed D&O, GL, and a small group health plan. Hammerstone handled all three and educated our board along the way."
Quick answers to what people ask us most.
Still wondering? Our full FAQ covers dozens more — or just call.
How quickly can I get a quote?+
Most quotes come back the same business day. Complex commercial accounts can take 2–3 days while we collect supplemental info.
Do you charge a fee?+
No — we're paid by the carriers, not by you. Our advice is free.
Can I bundle home and auto?+
Almost always yes — bundling typically saves 10–25% versus two separate policies.
Do you write outside South Dakota?+
We're licensed in multiple states. Reach out and we'll confirm coverage in yours.
Let's build coverage that fits.
Start a free quote online in two minutes, or call us directly. No fees, no pressure, no obligation.