How Much Renters Insurance Is Enough? 
Renters insurance should be enough to cover all of the contents that you own in a rental property . If you are renting a small studio versus an entire house , the amounts should be very different . A rule of thumb that has been taught to me was to use $ 10,000 per room rented . Also , check with your insurance company to find out what the minimum coverage is to have replacement cost . Without replacement cost , you will only receive depreciated value in the event of a loss . So that new TV you bought three years ago will be worth much less today . You would rather have the replacement of a new TV for an older TV . You should also include some sort of liability coverage when purchasing your renters coverage . 