How much coverage do I really need? If you have a $1,000 television and a state of the art stereo, you probably would like more coverage than if you have hand-me-down equipment. Knowledge of what renters insurance can cover is the best way to decide how much you need. Some of the items commonly covered are electronics, clothing, kitchen appliances, furniture, sports equipment, antiques, musical instruments and jewelry. 

 Do I need renters insurance? If you rent, the answer should almost unanimously be yes. Even if your landlord has insurance for the stuff inside the apartment, it’s more than likely for the least amount of coverage. And it’s probably for stuff like the dishwasher, the refrigerator and the oven, not your $1,000 television.

 Does it give me what I want plus a little more? We all like to think we’re getting a deal. Whether it’s the buy-one-get-one half price at the local mall or by bundling our insurance policies together, we all like to know we have saved a dollar.