How much renters insurance do U need

Sizing your coverage starts with knowing what U actually own. Here is a simple way to estimate it.

By the InsuranU team Updated July 20263 min read

Most renters underestimate what it would cost to replace everything they own, which is exactly what your coverage amount should reflect.

A quick way to estimate

Walk through each room and add up the replacement cost of furniture, electronics, clothing and anything else U would need to replace. Round up, since people almost always underestimate.

Do not forget liability

Most policies default to $100,000 in liability coverage. If U have significant assets to protect, consider a higher limit.

Recheck it after big purchases

A new laptop, a bike, or a significant wardrobe update are all good reasons to revisit your coverage amount.

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← Back to the renters insurance checklist

Keep going

More from the renters insurance checklist.

Checklist

Taking a home inventory

A simple way to document what you own.

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Cost

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See the real ranges, with a live estimator.

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Cost guide

How much renters insurance costs

See the real ranges, with a live estimator.

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Common questions

Is $20,000 in coverage typical?

Many renters land somewhere between $20,000 and $50,000, but it depends entirely on what you own.

Should I schedule high-value items separately?

If any single item is worth more than your policy's category limit, yes, consider scheduling it.

U deserve cover that fits

Tell us about your rental and your life. We will match you with quotes built around U.

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