SDCL § 58-35-29: Property insurable by farm mutual.

A farm mutual insurer shall only insure the following described property against loss or damage by fire or other casualty:

(1) Farm dwellings and buildings, including the usual contents therein, livestock, farm machinery, growing crops, and other forms of farm property;

(2) Dwellings designed for occupancy by not over two families, including the usual contents thereof, and private structures;

(3) Churches, schools, and community buildings including the usual contents thereof;

(4) The usual and customary possessions of the occupants of multi-family dwellings; and

(5) Personal property used in a solely-owned business activity conducted on the insured premises, including property held for resale if the insured property is covered by reinsurance.

For purposes of this chapter any policy written by a farm mutual insurer is considered a personal lines policy.