Take photographs or make a video of these items. Give one inventory to your insurance agent, and keep another for your self. Keep your inventory and visual record of your things outside of the apartment maybe in a safety deposit box or at the office. Cash value coverage takes into account the age and condition of items at the time of damage or loss. You would be reimbursed for the value of the item minus depreciation.
Replacement value pays today's cost for an item of similar kind or quality.
Insurance companies frequently offer discounts to their auto policyholders interested in buying a renters policy from them. You can also get discounts if your apartment or home has a security system, smoke detectors, or deadbolt locks. More discounts might be available depending on your age or whether you're a non-smoker. Look on the Internet, ask friends or relatives or flip through the yellow pages to find the agent that is right for you. Call a variety of insurance companies and agents and ask a lot of questions.