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How Much Renters Insurance Do I Need? When obtaining renter's insurance it is important to put serious consideration into how much insurance you really need to buy. Some things you may want to consider when making this decision include whether or not you can afford to re-purchase everything in your home in the event that disaster strikes. You may also want to ask yourself what you would do if a neighbor slipped and fell on the wet floor in your kitchen and decided to take legal action against you. How much personal property coverage you need to buy naturally is based on how much your personal property is worth. An excellent way to assess how much money to invest in your policy is to take an inventory of what you own. Beside each item you should account for when you attained it and how much you paid for it. Once your inventory is complete you should tally the amount of everything you own to come up with a general idea of how much your possessions are worth. You should always keep this inventory in a safe place away from home such as a safety deposit box so that if your home is lost to a fire your property inventory will be safe. It may be wise to take photographs of high-end or sentimental property as well. The following chart is representative of typical replacement costs for a two-bedroom apartment. These amounts are not exact and will vary. Personal Property Replacement Value Furniture » Discuss it » Continue Reading »
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