The more coverage you get, the more you'll pay in premiums each month. To understand how much coverage you'll need, you'll want to calculate the total value of the items you own. You might also want to consider how much risk is associated with your home. For example, someone renting a single family home with a swimming pool outside might want to consider a higher amount of coverage than someone renting a 600-square-foot studio apartment.
Your renters insurance company will consider several different aspects of your rented home, like its age and construction. It will also consider how your home can alert you to danger — having a burglar alarm and a fire alarm installed can reduce the chance that your items are damaged in the first place, and in turn, the risk to your insurance company. Often, insurers will give discounts for renters with these types of alarms.
The insurance policy with the most coverage, the smallest premiums, and the lowest deductible is probably the best policy for you.
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