Your home is more than a place to hang your hat; it’s probably one of your biggest investments. Protecting your home is important, and Daniel Oliver- Farmers Insurance Agent in Minneapolis, MN, has the expertise and dedication to guide you in the process of obtaining homeowners insurance. Insurance policies can be complex and confusing, but you shouldn't have to wonder whether you’re adequately covered. Here are some important things to know about your homeowners insurance policy.

The Ins & Outs Of Your Coverage: When it comes to your home, you don’t want a cheap insurance policy that won't meet your needs. A typical policy will cover damage to your property and belongings in the event of vandalism, theft, a storm or a fire. Should you be displaced from your home, you’ll also want to have hotel coverage for your family. Water damage, sinkholes, tornadoes and hurricanes may be excluded depending on where you live. Be aware of what your policy does and doesn't cover, and don't sacrifice adequate coverage for a lower premium.

How To Lower Your Rates: Before you accept insurance rates, look for ways to save. When you reduce your liability risks, you'll almost always see reduced rates on homeowners insurance. The same holds true for auto insurance, life insurance, and business insurance. If having smoke detectors will save you money and protect you from a fire, why not install them around your home? Burglar alarms and other protective measures may also reduce the cost of homeowners insurance. Check with your agent to find out what discounts are available to you.

If you’re ready to learn more about homeowners insurance and other forms of coverage, reach out to Daniel Oliver- Farmers Insurance Agent online or call him directly at (952) 925-4454. Protect yourself and your family by insuring your Minneapolis home with a trusted company and experienced agent.