Home Contents Value Estimator – Know How Much Coverage You Really Need
Quickly calculate the total value of your possessions and avoid being underinsured. Use our home contents value calculator to get accurate coverage recommendations.
Our household items estimator helps you create a comprehensive home inventory, calculate replacement costs, and ensure you have adequate contents insurance coverage. Perfect for homeowners and renters looking for a reliable home inventory calculator.
Step 1: Basic Information
Step 2: Contents Categories
Enter the estimated value of items in each category. We've provided average defaults to help you get started.
Custom Items
Why Knowing Your Home Contents Value Matters
Protect your belongings with the right insurance coverage
Many people underestimate home contents by 30-50%. This can leave you financially vulnerable when disaster strikes.
Insurance policies only cover declared values. Without accurate valuation, you may not receive full compensation for losses.
Replacement cost covers new items, while actual cash value accounts for depreciation. Know which type of coverage you have.
Update your inventory when moving, renovating, or making major purchases to ensure your coverage keeps pace with your lifestyle.
What items should I include in my home contents insurance?
Include everything you would take with you if you moved: furniture, electronics, clothing, kitchen appliances, books, decorations, and personal items. Don't forget items in storage, garages, and outdoor spaces.
How do I calculate replacement cost?
Research current retail prices for similar items, not what you originally paid. Consider quality improvements and inflation. Our calculator helps by providing category-based estimates based on average household values.
Is jewelry included in home contents coverage?
Basic policies include jewelry but often have sub-limits ($1,500-$2,500). Valuable items may require additional riders or separate policies. Always appraise high-value items and document them properly.
How often should I update my home inventory?
Review annually and after major life events: moving, renovations, new purchases, or significant lifestyle changes. Keep receipts and photos as documentation for insurance claims.
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