South Dakota Renters Insurance - Farmers Union Rental Insurance

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Buying South Dakota Renters Insurance?

  • Choose A Renters Insurance Company With Local Agents
  • Find An Agent Who Treats You Like You Deserve
  • Get An Apartment Insurance Policy That Covers Replacement Costs

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Many renters may believe that their possessions are not worth much, that apartment insurance in South Dakota is too overpriced, or that they will be covered by their landlord’s insurance, these are all untrue.
Renters insurance is more than worth it. The cost of a South Dakota renters insurance coverage policy is far less than the cost to replace everything you own. In reality, the landlord’s insurance usually only covers the building only, not your personal property within the building. The bottom line is that although often overlooked, renters insurance is very important.
South Dakota Renters Insurance - Farmers Union Renters Insurance

South Dakota Renters Insurance Replacement Cost Value

Standard South Dakota renters insurance usually covers the cost of your possessions on what is referred to as an Actual Cash Value basis. It covers the cost to replace your items, less depreciation. That means if your goods are stolen or damaged, and need to be replaced; there could be a large difference between what your insurance policy pays, and the actual cost to replace the items.
In addition to traditional apartment insurance, in South Dakota we also offer Replacement Cost Value coverage. This means that we will cover the full cost of repair or replacement on your property, without taking a deduction for depreciation. With Farmers Union South Dakota renters insurance, you really can’t afford not to have it. You will rest easier knowing your possessions are fully covered.

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