<prompt> Human: Im moving to Chicago in a couple weeks and Im shopping for renters insurance my current insurer does not serve IL. Ive never really given it much thought, but now Im not sure how much liability coverage I should get. Most insurers seem to offer either 100k, 300k, or 500k in personal liability, for about a 15-20year difference in premiums.I have 100k at my current apartment, a somewhat old unit in a relatively small building edit: in CT. But my new apartment in Chicago is in a large luxury high-rise tower. Should I step up my coverage to 300k because anything like a cooking fire would presumably be more expensive?The only articles I find online about this are written by insurers and basically recommend getting as much liability coverage as possible, but Im not sure if thats really necessary. I guess Im not sure what it really covers other than damage to the building at my fault and injuries of guests that are sustained while in my apartment does this cover common areasamenities?.If it matters, for liability reasons, my annual salary is between 100k and 150k.  <response>: I upped mine to 500K because it was less than 10 a year compared to 100K. Unless youre throwing parties every weekend and inviting people over to a point that your unit becomes a hazard or youre just a clumsy person likely to unintentionally cause damage somethingsomeone, I think 100K is pretty decent. 