Cover your contents starting at $6,000 up to $250,000. You should take an inventory of all your stuff. Appliances, furniture, clothing, anything you own. Put a dollar amount on its value and add a little more. (you’ll always forget a few things). This is how much renters coverage you need. It’s best to get the replacement cost option. This way on a claim, should you replace them, you’ll get full value for your items without depreciation.
Did you know Renters Insurance covers more than just your personal property? For example, if you had a guest stumble on your steps and have an injury your renters policy would help to pay for the medical costs for that person. Perhaps you were golfing and your golf ball hits a windshield of a car passing by. Your renters policy would pay to replace the windshield. These are just a few of the coverage’s afforded under the renters policy (HO4).