How Much Renters Insurance Should You Buy? 
There are two major divisions of coverage . The attention is normally focused on the personal property coverage , however the liability protection may be much more important . Select a policy that provides $ 300-500 ,000 in liablity coverage . This is where you could experience a major loss . The property portion should reflect the cost of actually replacing the contents of your rented home or apartment , should they be lost through a covered peril . 