Renter's insurance is not legally required in South Dakota. However, it is highly recommended for renters to protect their personal belongings and provide liability coverage in case of accidents or damages. While it may not be mandatory, having renter's insurance can provide peace of mind and financial protection in the event of unexpected events such as theft, fire, or natural disasters. It is always a good idea to consult with an insurance professional to understand the specific coverage options and benefits of renter's insurance in South Dakota.