If it is actual cash value, you may want to ask for a quote for replacement cost insurance. (thebalance.com)
Since you already have figured out the kind of renters coverage you want to get, you should only ask for quotes on that particular kind of policy. (rentersinsurance.net)
You should first consider how much it would cost to replace all the items in your home before asking for quotes from different insurance companies. (insuranceproviders.com)