After reading about horror stories and close-calls on this board, I've decided to heed the advice and get renter's insurance. I checked with Farmer's Insurance today, and for $40,000 coverage (everything but earthquake, at today's replacement costs) it'll cost me a little over $400 a year. I have a one bedroom apartment, but it's filled with HT gear, computer stuff and loads of shoes! I paid around $25 years ago for $20,000 coverage with State Farm. Given the area I live in, does this sound high? I am going to check with some other agents, but I don't think I'm going to find it that much cheaper. Also, should I go with less than 40,000? You know, shoes are mighty expensive and they really add up! Do you know how hard it would be to find replacements for my cute Franco Sartos?