How To Determine Amount Of Renters Insurance? 
This is perceptive question , and the answer may surprise you . You should choose liability coverage first and it should exceed your net worth . If you have stocks , property , autos and other assets take the most liability coverage available . The second part is no less complicted , insure the property you own inside the rented building to the amount it would take to replace it . To do that you need to think in terms of a fire , and filling out a claims form . What will it cost toreplace your couch , or bed with like quality pieces . You probably need a record of either what you paid for the item or at a minimum an image of the piece itself . When you have done that , total your pieces and you then have the amount of property insurance you should purchase . Please do n't forget though that a lawsuit could be much more expensive than a fire so chose your liability coverage carefully . 