A natural disaster capable of taking everything can happen almost without notice. Unfortunately, many renters assume their landlord's homeowner's insurance policy will protect them if the house burns down or the roof is ripped off in a storm, only to find when they go to file a claim they'll have to pay for their own damages. Daniel Oliver Farmers Insurance Agent, serving Minneapolis residents, encourages everyone to carry enough renters insurance to cover everything they own.

If you’re not sure the expense of renters insurance is worth it, think about how much it would cost to replace all of your property. You might be thinking about the electronics and more expensive clothing, but what about all of your towels, kitchenware, and furniture? Chances are, you own a lot more than you think you do, which means it could take years to replace everything you stand to lose in an unexpected disaster.

A renters insurance policy will protect your property from just about anything, from falling airplane parts and meteors to fires and broken pipes. The only risks that aren't covered in most renters insurance policies are floods and earth movements, so you'll need to purchase additional coverage for those, and you may want to extend your policy to include especially valuable belongings.

When you consider the value of the policy and the range of situations it covers, the cost of renters insurance is negligible. Many people will be able to get enough coverage to replace all of their belongings for just a couple hundred dollars per year. With Farmers Insurance, you can get even better insurance rates by bundling your renters insurance with your auto coverage, along with any other discounts you might qualify for.

If you need help choosing the ideal renters insurance policy for your situation, visit Daniel Oliver Farmers Insurance Agent. He has years of experience and in-depth knowledge of one of the industry's leading carriers. Call his office at (952) 925-4454 to make an appointment and get insurance quotes today, or just visit his website for more information.