How this tool works
Start with your home size to load typical values, then adjust each category. Coverage is rounded up to the next $5,000. Learn what's covered in our rental insurance guide.
Frequently asked questions
How much renters insurance do I need?
Enough personal property coverage to replace everything you own, plus at least $100,000 of liability. Many 1–2 bedroom renters land around $20,000–$30,000 of property coverage.
Is replacement cost worth it?
Usually. It pays to replace items new, while actual cash value subtracts depreciation, which can leave you far short after a loss.