There are two main things you get with any fire insurance policy: property protection and liability protection. You will get both of these with a renters insurance policy.
The property protection should be enough to cover all of YOUR personal belongings, but not so much that you are over insured. This should NOT include the cost of the building, or anything internal that belongs to your landlord, as they must cover that with their insurance.
The liability coverage should be enough to protect you in case someone is injured. The liability coverage typically starts at $100,000 and goes up from there. You should pick an amount that will cover you in the unfortunate event that someone is injured and sues you.
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The property protection should be enough to cover all of YOUR personal belongings, but not so much that you are over insured. This should NOT include the cost of the building, or anything internal that belongs to your landlord, as they must cover that with their insurance.
The liability coverage should be enough to protect you in case someone is injured. The liability coverage typically starts at $100,000 and goes up from there. You should pick an amount that will cover you in the unfortunate event that someone is injured and sues you.