The amount of coverage you need should be based on the total value of your possessions. Before you get Contents Insurance, it’s super helpful to put together an inventory of all your belongings with an estimate of their value. It’s also worthwhile to take photos of everything.
The average two-bedroom apartment has around $36K of contents(1), but that figure can vary significantly (especially if you hoard vintage trading cards). People tend to underestimate the total value of the things they own.
