How Much Renters Insurance Should I Get? 
I recommend that you purchase all of the liability coverage that the company offers . A lawsuit will ruin your weekend . I recommend that you take a camera and photograph the contents of your rental unit . Sit down with a piece of paper in inventory everything in the pictures . Make a guess as to the replacement cost of each item , including your clothes . Add up the column of numbers and you have the amount or personal property that you own . I suggest that you insure for the full amount of your estimated replacement cost . It might sound like you are going to have a large premium but nothing compares to having a fire sweep through your apartment and be without any coverage . 