I live in a studio apartment and am looking into getting renter's insurance. The last time I tried to do this, they asked me how much my stuff was worth, and I couldn't give them an answer. Any ideas on a ballpark figure? The main thing I have is an antique bedroom set.

I live in Michigan and never paid more than $125/year for insurance for an apt. Tell them your stuff is worth $50,000 because god forbid if the place burns down the owners have insurance on the building but not on your unit or anything in it. Make a list and take photo's for reference. Lock them in a safe or give them to a relative for safekeeping, if you have a t.v. stereo computer, lots of clothes, etc. it all adds up very fast.