How Much Coverage Should You Get For Renters Insurance? 
An adequate renters policy would have the highest liability limit that an insurance company will write . A lawsuit can bankrupt most people . The value of personal property is the other limit that you must select . I recommend that you take photos of every wall in your home making sure you have a record of every item of property . Review the photos , list the items and estimate the cost to replace them . The sum of that exercise will give you the personal property limit that you will need . 