Estimate how much personal property and liability coverage you need as a renter.
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Furniture, electronics, clothing, and other personal items.
Recommended Coverage
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Liability Coverage—
Additional Living Expenses Coverage—
Formula
Personal Property Coverage should match the replacement value of your belongings. Additional Living Expenses coverage is typically 10 to 30 percent of that amount, covering temporary housing if your unit becomes unlivable.
Example
$30,000 in belongings with 20% additional living expenses coverage recommends about $6,000 in additional living expenses coverage, on top of $300,000 in liability protection.
Not tax or financial advice. This calculator provides general estimates based on published 2026 figures. Always confirm important figures with the IRS, SSA, your state tax agency, a licensed lender, or a qualified professional.
Frequently Asked Questions
Do I need renters insurance if my landlord has a policy?
Yes, your landlord policy covers the building, not your personal belongings or your personal liability, which is what renters insurance covers.
What does additional living expenses coverage pay for?
Temporary housing, meals, and other costs if your rental becomes uninhabitable due to a covered event like a fire.