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.
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.