When determining the amount of renter's insurance coverage you need, it's important to consider the total value of your personal belongings. The general recommendation is to have enough coverage to replace all of your belongings in the event of a total loss. To calculate this, you can create a home inventory of all your possessions and their value. Additionally, consider any high-value items, such as jewelry or electronics, and ensure that your policy provides adequate coverage for these items. It's also important to factor in liability coverage, which can protect you in the event that someone is injured while on your rented property. A common recommendation is to have at least $100,000 in liability coverage. Lastly, consider any additional living expenses coverage, which can help cover the cost of temporary housing if your rental becomes uninhabitable due to a covered loss. In summary, the amount of renter's insurance coverage you need depends on the total value of your belongings, any high-value items, liability coverage, and additional living expenses coverage.