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.