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Property Protection · Calculator
Personal Property Coverage Calculator
Walk through your home room by room to estimate the contents coverage limit your homeowners or renters policy should carry. Defaults reflect typical replacement values—adjust to fit your home.
Your Belongings
Estimate the cost to replace each category at today's prices, not what you originally paid. Walk room by room with a phone camera if it helps.
Main Living Areas
$
Sofa, chairs, tables, lamps, rugs, decor, TV.
$
Table, chairs, china cabinet, formal dishware.
$
Small appliances, cookware, dishes, pantry contents.
Bedrooms & Bathrooms
$
Bed, dresser, nightstand, lamp, linens, decor.
$
Linens, toiletries, small electronics, decor.
Other Spaces
$
Desk, chair, computer, monitors, printer, books.
$
Tools, lawn equipment, bikes, storage.
$
Easy to underestimate—open every closet.
Special / Scheduled Items
$
Most policies cap unscheduled jewelry at $1,500–$2,500. Anything above should be individually scheduled.
$
Additional TVs, audio gear, cameras, gaming consoles, drones.
$
Original art, antiques, wine, sports memorabilia. Often requires scheduling.
$
Bikes, golf clubs, kayaks, instruments, hobby gear.
Estimated Contents Value
$82,000
Estimated contents value: $82,000Suggested Coverage C limit on your homeowners or renters policy.
Everyday Contents
- Living / family room$15,000
- Dining room$5,000
- Kitchen$8,000
- Bedrooms (3)$21,000
- Bathrooms (2)$2,000
- Home office$6,000
- Garage / basement$5,000
- Clothing$8,000
Subtotal$70,000
Special / Scheduled Items
- Jewelry & watches$5,000
- Electronics$5,000
- Art, antiques, collectibles$0
- Sports & hobby equipment$2,000
Subtotal$12,000
Total$82,000
For estimation purposes only. Results are not insurance quotes or offers of coverage. Items above category sub-limits (jewelry, firearms, fine art) typically require individual scheduling with appraisals.
About the Method
Most People Underestimate by Half
The instinct most homeowners share when asked to value their belongings is to drastically underestimate. The fastest test: imagine the house empties down to the studs tonight. Tomorrow you walk into a furniture store, an electronics retailer, a clothing store, and a kitchen supply shop and rebuy everything you owned at today's prices. The number is almost always shocking.
This calculator uses a room-by-room replacement-cost approach—the same approach a public adjuster would use after a total loss claim. Defaults reflect typical middle-class household values; adjust each line to match your home. A garage full of professional tools, a closet of designer clothing, or a wine cellar can shift the total dramatically.
What it deliberately does not handle: the difference between actual cash value (depreciated payout) and replacement cost coverage, special category sub-limits (firearms typically capped at $2,500, cash at $200), or scheduled personal property floaters for high-value individual items. Those are the conversation that turns this estimate into the right policy structure.
Related calculators
Once you've valued your belongings, estimate the dwelling and supporting limits in your homeowners policy.
The Next Step
Make sure replacement-cost coverage is actually in your policy.
The right contents limit is only half the equation—the endorsement type (replacement cost vs. actual cash value), special-category sub-limits, and scheduled items determine what you'll actually receive after a claim. Bring your number; we'll structure the rest.
Ask about a Personal Review