Free calculator

Contents value estimator for renters and homeowners

Add up what your belongings would cost to replace, room by room, then see how that compares with your renters or homeowners personal property limit.

Tool

Estimate your belongings room by room

For each area, estimate what it would cost to buy similar items new today.

Living room ($)Kitchen and dining ($)Bedrooms (furniture and bedding) ($)Bathrooms ($)Clothing and shoes, everyone ($)Electronics and computers ($)Home office ($)Garage, patio, tools and sports gear ($)Jewelry, watches, collectibles ($)

Compare with your policy (optional)

Personal property limit on your policy ($)Average age of your belongings (years)Typical useful life (years)

TotalEnter replacement values for at least one room

This tool calculates in your browser. Nothing you enter is sent to this website or to an insurance partner, and it disappears when you reload the page.

How it works

The estimator adds the replacement values you enter and compares the total with your policy's personal property limit. The optional actual-cash-value line applies simple straight-line depreciation (value × (1 − age ÷ useful life)) to show the gap between replacement cost and actual cash value.

Arizona DIFI notes that most standard policies cover personal property on an actual cash value basis unless you buy replacement cost coverage, and recommends appraisals and a home inventory for high-value items (DIFI home insurance page).

Limits of this tool

Your estimates drive the result. Insurers depreciate items differently, and special limits for categories like jewelry, firearms or collectibles vary by policy. Use the result to start a conversation with your insurer, not as a coverage determination.

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