How Much Renters Insurance Should You Get? 
There is a simple way to determine how much coverage to purchase on a renters policy . Get a camera and take a picture of every room to include closets and dressers . Dispassionately list the things that you see in the photos that are your property . Alongside the list enter the cost to buy a replacement item . This should actually become two lists because you can list the value of the used item or the cost of a new replacement item . Total the lists and decide if you want replacement cost coverage or just want to have the used stuff replaced with other used stuff . The number that you select then becomes the amount of personal property insurance that you should purchase . However , the really important figure is often neglected and that is the amount of liability insurance do you require . My rule of thumb is get as much as the company will write . A lawsuit can ruin you day and your future . Someone could slip inside your apartment and have major problems and you need coverage because you might be responsible . 