Home Inventory Calculator
Calculate the total value of your personal property for contents insurance coverage and identify items needing scheduled coverage.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
Total Inventory Value
$43,000.00
≈ 4 years of state college
Recommended Contents Coverage
$50,000.00
≈ 5 years of state college
How to Use This Calculator
- Enter the estimated replacement cost of major categories: electronics, furniture, appliances, clothing, and valuables.
- Input the total number of rooms in the home.
- Review the total contents replacement cost estimate.
- Compare this figure to your current homeowners or renters personal property limit.
- Supplement with a room-by-room photo or video inventory stored off-site or in the cloud.
How the result changes with Furniture & Decor
| Furniture & Decor | Total Inventory Value | Recommended Contents Coverage |
|---|---|---|
| $20,000.00 | $48,000.00 | $55,000.00 |
| $70,000.00 | $98,000.00 | $110,000.00 |
| $130,000.00 | $158,000.00 | $175,000.00 |
| $180,000.00 | $208,000.00 | $230,000.00 |
What each input means
- Furniture & Decor
- Sofas, beds, tables, rugs, artwork, and decorative items.
- Electronics & Computers
- TVs, computers, tablets, gaming systems, and audio equipment.
- Clothing & Accessories
- All clothing, shoes, handbags, and personal accessories.
- Kitchen & Appliances
- Small appliances, cookware, dishes, and kitchen equipment.
- Jewelry & Watches
- All jewelry and watches. Items over $2,500 may need a scheduled endorsement.
- Sports & Hobby Equipment
- Bikes, golf clubs, fitness equipment, musical instruments, etc.
- Tools & Garage Items
- Power tools, hand tools, lawn equipment, and garage items.
- Other Personal Property
- Books, linens, toys, and anything else not listed above.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersFurniture & Decor = 15000, Electronics & Computers = 8000, Clothing & Accessories = 5000, Kitchen & Appliances = 4000 = 8 input(s) provided
- Calculate Total Inventory ValueTotal Inventory Value43000 = $43,000
- Calculate Recommended Contents CoverageRecommended Contents Coverage50000 = $50,000
- Calculate Actual Cash ValueActual Cash Value30100 = $30,100
- Calculate Replacement vs ACV DifferenceReplacement vs ACV Difference12900 = $12,900
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