How much personal property coverage should I carry on renters insurance in Georgia?

Walk through your apartment and estimate replacement cost, not what you paid, but what it would cost to replace everything at today’s prices. Electronics, furniture, clothing, kitchenware, and bedding add up fast. A furnished one-bedroom in North Atlanta typically holds $25,000 to $40,000 in personal property. Two-bedrooms with a home office, appliances, or musical instruments can exceed $60,000. Most renters dramatically underestimate this number. The premium difference between $20,000 and $50,000 in coverage is typically $5 to $12 per month, a small amount relative to the gap it fills.