Personal Property Insurance - Cost Calculator

Estimate The Value Of Your Personal Property

To help calculate the amount of personal property coverage you need, enter an estimated replacement value of your belongings for each category. That's right, we'll help you figure out about how much it would cost to replace your stuff!

Please round your numbers to the nearest dollar. There's no need to key dollar signs or decimals.

Category Estimated Cost
Furniture [?Sofas, chairs, tables, ottomans, beds, night stands, etc.]:
Appliances [?Toaster, blender, food processor, vacuum cleaner, and large appliances (if owned) including washer, dryer, refrigerator, range, window air conditioner, portable dishwasher, portable dehumidifier, etc.]:
Home Decorations [?Paintings, wall hangings, area rugs, lamps, bric-a-brac]:
Dishes/Cookware [?Everyday dishes, fine china, stainless flatware, pots, pans, knives, etc.]:
Silverware [?Silver or silver plated flatware or goldware]:
Linens [?Bed linens, quilts, duvets, bed spreads, shams, bath towels/wash cloths/hand towels, dish towels, table cloths, etc.]:
Clothing [?Clothes, shoes, handbags, belts, hats, gloves, etc.]:
Computers, etc [?Desktop computers, laptop computers, external hard drives, external CD/DVD drives, printers, etc.]:
Electronics [?Home entertainment systems, stereo receivers, speakers, amplifiers, TVs, DVD & BluRay players/recorders, CD players, VCRs, camcorders, MP3 players, portable devices, answering machines, miscellaneous audio/video equipment, etc.]:
CDs/DVDs [?CDs, DVDs, BluRay disks, audio or video tapes, books, flash drives, other media]:
Photographic Equipment [?Cameras, lenses, tripods, meters, lighting equipment, developing equipment, etc.]:
Fitness/Sports Equipment [?Bicycle, skates, skis, sporting goods/athletic equipment, treadmill, stationary bike, stepper, weights, hobby equipment, etc.]:
Outdoor Equipment [?Lawn mowers, leaf blowers, trimmers, and other landscaping equipment; BBQ grill, lawn furnishings, portable outdoor heaters, etc.]:
Tools [?Hand tools: hammers, screw drivers, wrenches, saws; power tools: circular saw, jigsaw, drill, sander, router; lawn tools: rakes, shovels, aerators; ladders, hoses, extension cords, garage equipment, etc.]:
Guns [?Hand guns, target pistols, rifles, shotguns, scopes]:
Jewelry/Watches [?Rings, necklaces, bracelets, earrings, anklets, brooches, wristwatches, pocket watches]:
Furs [?Jackets, coats, stoles, etc.]:

That wasn't so hard and neither is getting a quote! So, now that you know the value of your personal belongings, go ahead and get a free online renters insurance quote or condo quote or call (800) 841-2964.

Already have a renters, condo, or co-op policy? Use the calculator to check whether your coverage is adequate and up-to-date. Then, make changes to your renters, condo or co-op policy as needed.

Certain types of property are subject to specific dollar amount limits. These typically include, but are not limited to, jewelry, watches, and furs, which, on most policies, are subject to a dollar limit for theft of these items. Limited coverage amounts may also apply to firearms, silverware, boats, trailers, and business personal property. You may be able to purchase an endorsement that raises the coverage amount for these items and broadens the protection.

This calculator is a guide to assist you in determining the estimated value of your personal property and is not meant to take the place of a detailed, complete inventory.  Policies may be subject to minimum and maximum coverage amounts.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.