We have a replacement cost policy (so they won’t depreciate our belongings) with a policy limit of $52K with USAA and we pay $268.41 per year. If you don’t have as much valuable stuff or if you went for the actual cash value policy, it would be less. If you have more stuff, it’ll be more…of course, I’m not sure how this compares with other carriers.
When I was in college (and had essentially nothing), I paid $6 a month through State Farm. It was more for liability purposes…who wants a poor college kid suing you?
