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How much renters insurance do I need?

I’m moving into my very first apartment this fall when I go back to college. The landlord is saying I need renters insurance. How much renters insurance do I need?

avatar
Matt Terzi · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on your first apartment! It’s exciting—even if a bit scary—to live on your own for the first time.
How much renters insurance you need really boils down to how much your belongings are worth. A standard renters insurance policy covers $30,000 in personal property damage.
Try grabbing a pen and paper or making a list of every item you own that would need to be replaced in the event of a fire or some other catastrophe, including its approximate replacement cost (e.g., you’d need $700 for a new Playstation, $50 for a new area rug, etc.).
Leave out unimportant items like toothbrushes and hair ties. Focus on the bigger items like electronics, your wardrobe, and any appliances you’ll need to furnish yourself.
If you think that $30,000 won’t cut it, you can opt for a policy with $100,000 in personal property coverage for a few dozen more bucks per month (it should still cost $50 per month or less).
Finding affordable renters insurance is super easy when you use
Jerry
. This app can save you hundreds of dollars per year or more on renters insurance and
car insurance
 too.
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