Personal property value calculator
Estimate the full replacement value of your belongings to set the right coverage on your renters or homeowners policy.
Personal property value calculator
Estimate the replacement value of your belongings to set the right coverage amount.
Running total
$16,500
Laptops, TVs, phones, gaming systems, cameras
Sofas, beds, tables, chairs, dressers
Clothes, shoes, coats, accessories
List separately — high-value jewelry may need a rider
Refrigerator, washer/dryer, cookware, small appliances
Bikes, golf clubs, skis, fitness equipment
Power tools, musical instruments, art supplies
This is an estimate for informational purposes only based on national and state averages. Actual rates vary by insurer and individual circumstances. For an accurate quote, contact a licensed insurance agent.
Most people underestimate how much their stuff is worth
The average American household has $30,000 to $50,000 in personal property when calculated at replacement cost. People who work from home, have high-end electronics, own musical instruments, or have accumulated quality furniture and clothing can easily exceed $100,000. Standard renters policies often default to $20,000-$30,000 in personal property coverage — a significant underinsurance gap for many households.
Go room by room
The most accurate way to estimate your personal property value is to mentally walk through each room. Bedroom: clothing, electronics, jewelry. Living room: TV, furniture, gaming systems, decorative items. Kitchen: appliances, cookware, dishes. Home office: computers, monitors, peripherals, office furniture. Garage: tools, sports equipment, bikes. People are often surprised how quickly the total grows once they think systematically.
The sub-limit trap
Even if you carry adequate overall personal property coverage, you may have sub-limits that cap payouts on certain categories. Check your policy carefully for sub-limits on jewelry, firearms, cash, silverware, collectibles, and business equipment. Items that exceed these caps need scheduled endorsements or a separate personal articles floater policy to be fully covered.
Frequently asked questions
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