Most reputable companies offer renters insurance and it's very reasonably priced. Call your agent who handles your auto insurance and they should be able to help you. And, if they use the same company for your renters, you should get discounts off of both saving you quite a bit of money. Here are some things to consider:
Renters insurance is really just a homeowners policy without the building coverage. It covers your personal property(stuff), and your liability. Two things to get right:
Use a tool to estimate what it would cost to replace your stuff. Notice I said "replace". You can get insurance that would pay you the depreciated value of your stuff but, in my opinion, it's worth a little bit more to get your stuff replaced with new. Your agent should have a tool to help you or you can use the one on Allstate's website(no, I'm not an Allstate agent, I just like the tool).
Pick a liability limit that will cover all your assets. I usually won't go below $300,000 and I usually recommend at least $500,000. The price difference is usually below $10/yr. It's well worth it.
Be smart. Find an agent you can trust to do the best for you and take their advice. In the long run, you'll be happy you did.
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Renters insurance is really just a homeowners policy without the building coverage. It covers your personal property(stuff), and your liability. Two things to get right:
Use a tool to estimate what it would cost to replace your stuff. Notice I said "replace". You can get insurance that would pay you the depreciated value of your stuff but, in my opinion, it's worth a little bit more to get your stuff replaced with new. Your agent should have a tool to help you or you can use the one on Allstate's website(no, I'm not an Allstate agent, I just like the tool).
Pick a liability limit that will cover all your assets. I usually won't go below $300,000 and I usually recommend at least $500,000. The price difference is usually below $10/yr. It's well worth it.
Be smart. Find an agent you can trust to do the best for you and take their advice. In the long run, you'll be happy you did.