What Renters Insurance Should I Get? 
Great question ! What you want to look for in any insurance policy is the greatest coverage for the lowest price , and the least amount of money that you have to pay before the policy kicks in and pays . Look for one that offers replacement value vs , actual cost . -LRB- actual cost is the company 's estimate of an item 's value based on it 's age and assumed condition , while replacement cost is the cost of replacing the item - it will be a little more expensive , but well worth it if you ever need to file a claim -RRB- Look for an independent agent who can give you quotes from a couple of different companies to choose from . Good luck ! Thanks for asking ! 