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For Every Need
Personal Insurance
From auto and home insurance to boats, motorcycle and RVs, we have you covered. Talk to one of our licensed agents to discover various discounts and bundle options.
Auto Insurance
Our agents work hard to ensure that you and your family get the best rates for your car insurance. Not only will your agent search for the lowest rate to match your insurance needs, you will also get the top notch customer service from our agents at Plains Insurance Group.
home insurance
Your home is most likely the biggest financial investment that you’ll ever make. As such, you’ll need an insurance policy which will fully protect that investment. But all homeowner insurance policies aren’t created equally. Ask your agent about specialized coverages like replacement cost and coverage for detached structures.
Landlord Insurance
A landlord insurance policy can provide coverage for your rental property and liability, as well as protection for the structure and certain fixtures you own, helping cover risks associated with leasing the property to tenants.
Commercial Insurance
Find solutions from a comprehensive Business Owners Policy to a standalone Commercial Truck Policy, we have options that will work for your business.
Business owners Policy (BOP)
A business owners insurance policy will combine property, liability and business interruption coverage all in one easy policy for small to medium-sized businesses. By packaging these coverages together, you will generally see a discount in your premium.
Commercial Auto
A commercial auto insurance policy can provide coverage for business-owned vehicles and liability, as well as protection for injuries, property damage, and other losses that may occur while vehicles are used for business purposes.
General Liability
Your enterprise could be at significant risk if you don’t have insurance that covers the legal fees, court costs, and any unfavorable judgments resulting from litigation. And that’s why General Liability insurance can be so important for any type of business, regardless of its size.
What Our Client’s Say About Us
What We Do
We’re a South Dakota–based independent insurance agency helping protect your vehicle, home, business, and everything in between.
Connect people with the right insurance carriers.
As an independent insurance agency, we represent many of the top-rated insurance companies. This means as your life changes, so can your insurance company, but you get to keep our agency as your insurance advocate.
Help you when you have a claim.
If you experience a claim, you have an advocate who can help you get resolution if you need it. We can explain coverages and deductibles so you know exactly what’s covered.
Find you the coverage and pricing for your situation.
Since we represent multiple insurance companies, we’ll present you with several options from multiple companies. This means you get the best mix of coverage and pricing for your situation.
Provide you with consultation on coverage to keep you protected.
If you need help understanding your risks and coverage limits, we’re here to help. We help clients everyday stay protected by helping them select the right coverage for their specific situation.
At Plains Insurance Group, we believe insurance should feel less like paperwork and more like peace of mind. Our mission is to make protecting what matters most simple, personal, and tailored to you.
Our owner and agent, Austin Heien, has deep roots in the Sioux Falls community, having grown up here his entire life. After attending college at South Dakota State University in Brookings, South Dakota. Austin began his insurance career shortly after, where he gained valuable experience helping families and individuals safeguard their futures. Over time, he realized that working as an independent agent would allow him to serve people even better—offering more choices, more flexibility, and solutions that truly fit each person’s unique needs.
Today, Plains Insurance Group is proud to combine Austin’s local knowledge, professional expertise, and genuine care for people into a service that goes beyond policies. We’re here to build lasting relationships, provide honest guidance, and ensure you feel supported every step of the way.
5 Reasons To Work With An Independent Insurance Agent In Sioux Falls, SD
We live in the digital age. We can get instant results like game scores, recipes and silly videos at the touch of a button. You can also get instant quotes for auto insurance, home insurance and more from specific carriers, but what you can’t do is have someone make sure that you are getting the best insurance rates for your situation and needs. That is why having a local, independent insurance agent is a smart idea.
- Lower rates: A local, independent insurance agent will work hard to save you money. They have the ability to quote from many different insurance carriers and are able to provide you with several carrier options. Since their business is consumer-driven, your agent will provide a level of service and care with which many large carriers cannot compete.
- Ease of service: Your local, independent insurance agent can service your insurance policies, so if there is a problem there is only one number to call if you have questions about your policy. Your agent also lives in your area so they are able to be honest and let you know if you really need specialty coverages like flood or earthquake.
- Adaptability: Did you get a new car, buy a house or get a boat insurance policy? Your local, independent agent can assist you with all of that. Your agent is able to quote multiple types of insurance coverage like personal umbrella or business insurance as your needs change over the years. They can also update your existing policies with ease.
- Jargon: Your local, independent insurance agent is an expert when it comes to the insurance world. If you are confused to the meanings of Comprehensive, UMBI, PIP or any of the other coverage options, your agent will be able to explain your coverage in plain, easy-to-understand language. When you purchase any type of insurance, there are a lot of ins-and-outs to consider, your agent will be there to walk you through your coverage and make sure that you understand what may or may not be covered.
- They have it all: It bears repeating: a local, independent insurance agent is a one-stop shop. They offer auto, home, boat, motorcycle, renters, flood insurance and the list goes on. If you are looking for a coverage that they do not offer, your local, independent insurance agent can recommend a carrier who can assist with your needs.
When looking for insurance, consider your local, independent insurance agents in Sioux Falls, SD – Plains Insurance Group. They offer personal insurance coverages for your home, vehicle and “toys.” Give Plains Insurance Group a call today.