Personal Property Insurance - Cost Calculator

Get a personal property value estimate.

Whether you live in a home, apartment, or condo, personal property coverage is one of the most important aspects of your insurance. It's essential to be knowledgeable about accurate replacement costs so we can best serve you in the event of a covered loss.

Most people don't realize what their belongings are worth and your household possessions have a good chance of being more valuable than you think! It's easy to overlook those vintage vinyls and collector's items, too.

So, how can you find out how much to insure your house for? Here is a perfectly simple renters, condo, and homeowners property insurance calculator.

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

Category Estimated Cost
Sofas, chairs, tables, ottomans, beds, night stands, etc.
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.
Everyday dishes, fine china, stainless flatware, pots, pans, knives, etc.
Silver or silver plated flatware or goldware.
Bed linens, quilts, duvets, bed spreads, shams, bath towels/wash cloths/hand towels, dish towels, table cloths, etc.
Clothes, shoes, handbags, belts, hats, gloves, etc.
Computers, etc
Desktop computers, laptop computers, external hard drives, external CD/DVD drives, printers, etc.
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, 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.
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.
Hand guns, target pistols, rifles, shotguns, scopes.
Rings, necklaces, bracelets, earrings, anklets, brooches, wristwatches, pocket watches.
Jackets, coats, stoles, etc.

Great work! Feels nice to have a ballpark, right? With that information, you can now be confident when you get a quote-or maybe even reevaluate your current policy.

So, get your free home, condo, or renters insurance quote, or feel free to give us a call at (800) 841-3005.

This personal property calculator is always worth coming back to every once in awhile. It's easy to accumulate many new household items over time and just not think about it! Remember, it's simple to make changes to your policy.

Certain types of property are subject to specific dollar amounts. 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.