Living in an apartment, it’s not uncommon for some renters to think they don’t need insurance to protect their valuables in cases of theft, fire or other liabilities. Having renters insurance solves those threats and the coverage is more affordable than you might think. Daniel Oliver - Farmers Insurance Agent in Minneapolis, MN, will help you find the policy that’s perfect for your budget while offering the right amount of coverage in case of any financial losses.

A quick inventory of your valuables, including appliances, clothing, electronics, furnishings and other personal items, will help determine the maximum amount of renters’ insurance coverage available. The limits vary based on the amount of property you plan to insure. Daniel Oliver Agency will also seek out discounts for having alarm systems, deadbolt locks, and other burglary prevention systems.

When it comes to coverage, it's important to get a policy that includes replacement cost coverage. This will pay for the full replacement of your items apposed to a depreciated value. 

You want a policy that will protect you if your valuables are destroyed by fire, lightning, theft as well as air-conditioning, heating and plumbing disasters. Depend on the Daniel Oliver Agency to review all risks covered in your policy and even suggest flood damage coverage, which is often a separate policy.

Depending on your apartment’s location, reimbursement method and other factors, renters insurance can be as cheap as $150 per year, according to some industry estimates. 

A registered Farmers Insurance agent, the Daniel Oliver Agency has the protection of your valuables at heart. Whether it’s renters insurance, auto insurance, homeowner insurance or life insurance, your 100% satisfaction is the goal.

For an insurance quote, call the Daniel Oliver - Farmers Insurance Agent at (952) 925-4454 or visit their website to learn more about the various types of coverage available.