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Real Estate

How much renters insurance do I need?

Quick Answer

Match personal property coverage to the cost of replacing all your stuff at retail (most renters need $20,000-$50,000), carry $300K-$500K personal liability, and add additional living expense coverage at 30% of personal property.

Rule of thumb amounts for the four core renters insurance coverages.
Warren Team
Updated April 26, 2026
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Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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