I have 2 tips when it comes to purchasing renters insurnace:
Look at getting replacement value vs. current value coverage. If you only have the current value, you are only getting money for the your TV, etc. is valued at today, not the replacement value which is what it cost to purchase a new one, replacing the one you lost.
Shop around with different companies. Look for financial status and claims paying ability of the insurance company. I prefer to work with companies that are rated on AM Best at A- or better. If a company has a lower rating, investigate why before you decide to move forward with them.
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Look at getting replacement value vs. current value coverage. If you only have the current value, you are only getting money for the your TV, etc. is valued at today, not the replacement value which is what it cost to purchase a new one, replacing the one you lost.
Shop around with different companies. Look for financial status and claims paying ability of the insurance company. I prefer to work with companies that are rated on AM Best at A- or better. If a company has a lower rating, investigate why before you decide to move forward with them.