Free calculator

Renters insurance calculator

Most people underestimate what their stuff is worth until they try to replace all of it at once. Go room by room, put a replacement cost on each group, and see what personal property limit that points to.

Everything stays in your browser. Nothing is sent to us, and the result is an estimate, not a quote or advice.

Living room and loungeSofas, chairs, tables, rugs, lamps, TV standBedroomsBeds, mattresses, wardrobes, bedding, dressersKitchenSmall appliances, cookware, crockery, glassware, foodBathroom and linenTowels, toiletries, cabinets, hair and grooming toolsHome officeDesk, chair, monitor, printer, books, stationeryClothing and shoesEverything in every wardrobe, coats includedElectronicsLaptops, phones, tablets, TVs, consoles, cameras, audioJewellery and watchesRings, chains, watches, heirlooms — replacement costSports and outdoor gearSkis, golf clubs, camping kit, gym equipment, toolsBicyclesFrames, wheels, helmets, kit — per household

Liability

Savings and other assets you would want to protectA liability claim can reach what you own, not just what is insuredDo you host people, own a dog, or have a roommate?More people through the door, more chance of an injury claim

How this works

Each box is what it would cost to buy that group again today, not what you paid.
The boxes are added together to give a total contents value.
The suggested personal property limit rounds that total up — to the next $5,000 below $50,000, the next $10,000 above it — so a forgotten cupboard does not push you over.
The liability suggestion starts from the assets you listed and steps up if your household sees a lot of visitors.

Two things this cannot know. First, whether your policy pays replacement costor actual cash value — the second deducts for age and wear, and the same list of belongings then settles for far less. Second, your policy's internal sub-limits: categories such as jewellery, watches, electronics, bicycles, cash and collections are commonly capped well below the overall contents limit, and those caps vary by carrier and policy form. Ask an agency what yours are and whether the items should be scheduled separately.

A written inventory is what turns these numbers into a settled claim.

Next step

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