How do I determine how much renter's insurance I need?

How do I determine how much renter's insurance I need?

To determine how much renter's insurance you need, essentially you should sit down with your insurance agent and go over what your personal property is. Is it very standard stuff like your couch, TV and bed, or are there special items there that are a little bit harder to replace and that might need an independent appraisal to put a value on it? For example, a very expensive painting or a fur coat, an irreplaceable piece of jewelry or baseball card collection? If you go through this with your insurance agent, they can set up a schedule for you to make sure all of these items are properly appraised and included in a renter's insurance policy.