Renters Insurance

How should I choose my personal property value?

I am going to purchase renters insurance. One of the questions is to select a personal property value. How should I choose the right amount?

By Jason W
SafeButler agent
Answered
Category Renters Insurance

Theoretically, you should choose the total value of your personal stuff for your personal property. Personal property is one of the major factors for your renters insurance price. Therefore, you can also balance your selection with the premium that works best for you. Most insurance companies can allow you to choose a range between $5k to $50k.

One important thing, however, is that you should always explicitly list some expensive items such as jewelry, art, or expensive bikes. You need to talk to your insurance company regarding the "exclusions" of your personal property items.

The information in this answer is general in nature and is not legal or insurance advice for your specific situation. Policy language varies carrier by carrier; your declarations page is the final word. If you're unsure, call your agent before you need to file.

Ready to compare?

Get an insurance quote in under three minutes.

Answer a few questions, see side-by-side prices from carriers that actually serve your zip, and buy in one checkout.

Your privacy

We use cookies to run this site, measure how it's used, and support our advertising. See our Privacy Policy for details.