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RENTERS

How much renters insurance do you need?

By Insuregear · 4 min read · Updated June 18, 2026

Walk through each room and tally what it would cost to replace everything new — most people undercount until they do. That total sets your personal-property limit.

Don't skimp on liability

Liability is cheap to increase. $100k is a common floor; $300k costs only a little more and protects you if someone is injured in your home.

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