Kotten & Associates in Madison, SD

Learn about our insurance products

  • Car Insurance

    Get an auto insurance policy you can count on from Nationwide.

  • Home Insurance

    Protect your house and personal property by choosing the right insurance coverage from Nationwide.

  • Life Insurance

    Let us help you select life insurance coverage that meets your needs, your life and your budget.

  • Business Insurance

    Cover your business with commercial insurance from Nationwide.

Member support

24/7 Claims Service
1-800-421-35351-800-421-3535

Our Insurance Products

The Kotten & Associates in Madison, South Dakota provides the following products. To learn more about each insurance product, click on the links below.

  • Car Insurance

    Insurance is designed to give you the peace of mind you need to enjoy your assets without worry, and auto insurance should be no different. That's why R & W Associates LLC works with you to build a personalized insurance plan, so members can be sure they are getting the policy that fits their driving style, vehicle value, and level of activity on the roads of Madison.

    Knowing whether or not your vehicle would benefit from comprehensive coverage, which takes care of incidents that happen when it is not being driven, means knowing where it fits into your portfolio of assets, what your budget looks like, and how it is likely to affect your resale value R & W Associates LLC understands this. That's why options are available that include basic liability protection, collision coverage, or multiple tiers of comprehensive protection, so you have what you need. That's also why we offer Nationwide policies, which have a variety of discount options for drivers based on the safety features on their vehicle and their driving records.

    If you have questions about auto insurance policies for your vehicle, or if you want to make a purchase over the phone, get in touch with R & W Associates LLC at (605) 256-9555. You can also make an appointment for a face to face meeting at our offices at 601 S Washington Ave.

  • Home Insurance

    If you have recently purchased a new home after owning another for many years, you may need to review your home insurance needs. Our agents at R & W Associates LLC are here to help you discover new lines of coverage relevant to your needs. Your homeowners policy is going to be with you as long as you own your home, so make sure it is going to work hard to protect the things that matter most to you.

    Home insurance policies are not one-size-fits-all. In fact, the wide variety of property types and many different features found inside homes require a different approach. In order to give our valued customers more personalized insurance solutions, we have chosen to team up with Nationwide, a leading provider of home policies and other insurance products. This allows us to offer more tailored policies that more closely address the particular needs facing your property and family.

    An insurance policy personalized to your needs gives you better value in the long run and grants improved peace of mind. Speaking with R & W Associates LLC is one of the best ways of making sure that your coverage is doing all the work that you need it to. If you have questions or concerns about your coverage needs, call R & W Associates LLC at (605) 256-9555 or visit our office at 601 S Washington Ave.

  • Life Insurance

    Getting married, purchasing a new home, or starting a family are all exciting experiences. However, these life events often mean bigger financial obligations. Your increased financial obligations can be a good impetus to taking the necessary step to assure your family’s financial security. Your home is a place of security and pride; be sure to protect your standard of living.

    We at R & W Associates LLC proudly work with residents in the Madison area. We want to make sure you have the type and amount of coverage you need so that you and your family are prepared for any eventuality. We will explain in understandable language term versus permanent insurance and we will discuss the types of life insurance that can best fit your needs.

    The amount of coverage your family needs is largely determined by factors such as age, income, debt, number of dependents, long-term educational needs, monthly expenses, long-term goals and desired length of coverage. We will explain in easily-understandable terms whole life insurance and universal life insurance and why you may want permanent insurance.

    As you enjoy the now, don’t forget to protect your family’s future. Life insurance gives you the peace of mind that comes with preparing for life’s uncertainties. Call R & W Associates LLC at (605) 256-9555. We can assess your coverage needs and answer all your questions. If you are in the neighborhood, stop by any time. We are located at 601 S Washington Ave. We look forward to seeing you.


    LAW-0246AO (05/18)

  • Business Insurance

    When unexpected problems arise in the course of doing business, you need to have someone you can depend on. The R & W Associates LLC team has been helping Irwin business owners with their insurance concerns for many years. From assisting new business owners with a selection of their first policy to providing improved coverage for organizations growing to new heights, we can help our customers access great coverage at every stage. We know that insurance is personal, so we offer customized coverage options that more precisely address the concerns affecting your organization. This is a great way to obtain coverage that works hard for you.

    We work with Nationwide to provide a better selection of coverage solutions to customers looking for business insurance policies. With options such as a businessowners policy (BOP) that includes general liability and commercial property, we are better able to offer the kind of coverage that modern organizations are most interested in. Your insurance policy is going to be working around the clock to protect your interests, and personalizing your policy with the help of R & W Associates LLC agents will make sure that this important protection is operating correctly.

    Companies in the midst of big changes may also need their business insurance policies revised. If your company is facing restructuring, relocating, or other upheavals, then this is a good time to reevaluate your coverage needs. Call (605) 256-9555 today to speak with an agent at R & W Associates LLC. Our 601 S Washington Ave office is here to help business owners serving every industry. Discover improved coverage solutions through Nationwide and R & W Associates LLC.

    Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

The Kotten & Associates also offers products in IA. Please call for information on products in those states.