When determining how much renters insurance to buy, it's important to consider several factors. Calculate the value of your belongings to determine the amount of coverage you need. Take inventory of your personal belongings, including furniture, electronics, clothing, and other valuable items. Consider liability coverage to protect yourself in case someone is injured in your rental property. Additionally, think about additional living expenses coverage, which can help cover the cost of temporary housing if your rental becomes uninhabitable due to a covered loss. It's also important to consider the location and risk factors associated with your rental property. For example, if you live in an area prone to natural disasters, you may want to consider additional coverage for such events. Lastly, consult with an insurance agent to get personalized advice based on your specific situation and needs.