I’ve had State Farm renters for ever. I got it when I still had a car & car insurance. I think it’s like 150 a year. I’ve never had to use it, so I don’t know if it’s a hassle or not.
But like @kaylee up there, I probably need to go over my coverage and up it since I’ve had the same coverage for quite a few years. My agent is Steve Rose in Rockville (since I first moved to Rockvilee before DC) and his office has been very helpful.