
Local Rapid City, South Dakota insurance coverage that fits your family & business needs, with a team that knows your name.
Home, wildfire, and auto insurance in Rapid City, South Dakota
Rapid City sits at the eastern edge of the Black Hills, the gateway to Mount Rushmore and home to Ellsworth Air Force Base.
Flood history and wildfire
The 1972 Rapid Creek flood killed 238 people and reshaped the city, and homes in the Black Hills face wildfire risk. We quote flood insurance and shop homeowners coverage across carriers.
Tourism, military, and autos
We write renters insurance for Ellsworth families, insure restaurants and tourism businesses, and write auto insurance for summer traffic on I-90 and US-16.
Your insurance team for Rapid City, South Dakota
We work with Rapid City households and business owners, and also serve nearby Box Elder, Black Hawk, Summerset, and Hill City, along with communities across South Dakota.
Vehicle Insurance
Property Insurance
Personal Insurance
Insurance coverage for your business.
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages.
Builders Risk
Covers buildings and structures under construction, providing protection against damage from fire, theft, vandalism, and certain weather events. It includes coverage for materials, equipment, and supplies on-site, in transit, or stored off-site, ensuring your construction project is safeguarded until completion.
Garage Keepers
Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.

We go beyond writing policies.
Established by Michael Urbano in 2010, Elye Insurance has belonged to the Mission Viejo community for more than two decades, guiding families, homeowners, and local businesses to the right protection for every stage of life.
We do more than sell policies; we build relationships. Our team takes time to learn your needs, your goals, and your story, so we can design insurance solutions that give you true peace of mind.


"Elye Insurance exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals."
Since 2010, we’ve committed ourselves to protecting families & businesses with tailored insurance solutions grounded in honesty, education, and care.
Michael Urbano
Founder, Elye Insurance
Elye Insurance


Your trusted insurance advisor in Rapid City, South Dakota providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Rapid City, South Dakota.








