General
Personal Property Calculator: What Your Stuff Is Worth
Ask most people what their belongings are worth and they will name a figure well below the truth. It happens for a predictable reason. Everyone remembers the television, the laptop, and the sofa. What disappears from the estimate is the contents of every drawer, closet, and cupboard, which is where most of the claimable value actually sits. That gap matters because an insurer pays on what you can
Free
No signup
Frequently asked questions
How much personal property coverage do I need?
Enough to replace what you actually own at today's prices. Most carriers set the figure as a percentage of another number rather than from any assessment of your belongings, which is why counting room by room usually produces a higher and more accurate total.
Why is my total higher than I expected?
Because everyday contents add up faster than anyone estimates. Furniture and electronics are the items people remember, while clothing, kitchen equipment, linens, tools, and the contents of storage areas are the ones that quietly account for most of the value.
What is the difference between replacement cost and actual cash value?
Replacement cost pays what an item costs to buy today. Actual cash value subtracts depreciation for age and wear, which on electronics and clothing is severe. The calculator shows both figures so the gap is visible in dollars rather than described in the abstract.
What is a sublimit?
A cap that sits underneath your total coverage and applies to a specific category. Jewelry, firearms, collectibles, instruments, and business equipment all carry them, which means a policy covering forty thousand dollars does not provide forty thousand dollars of jewelry coverage.
How do I get around a category cap?
By scheduling the items individually, sometimes called adding a rider or a floater. Scheduling lists each item at an agreed value, removes the category cap, typically covers accidental loss and mysterious disappearance rather than theft alone, and often carries no deductible.
Is the premium estimate a real quote?
No. It is a planning figure that scales with the coverage amount and assumes replacement cost settlement, a five hundred dollar deductible, and standard liability limits. Location, building type, and claims history move real pricing considerably.
Does this work for homeowners and condo policies too?
Yes. Personal property coverage works the same way across renters, condo, and homeowners policies. The difference is that a homeowners policy also covers the structure, which this calculator does not address.
Do I need to document all of this?
Yes, and it matters more than the coverage amount. Adjusters pay on evidence rather than recall, so a narrated video walkthrough with drawers and closets open is worth more than any figure you can produce from memory afterward.
Does the calculator store my information?
No. Every figure is calculated in your browser and nothing is saved, transmitted, or shared. There is no signup and no email required.
What should I do with the number?
Compare it against the personal property limit on your declarations page, confirm whether the policy settles at replacement cost, and schedule anything that exceeds a category cap. Those three checks take about ten minutes.