Question 1

How much personal property coverage do I need?

Accepted Answer

Enough to replace everything you own at today's prices. Many homeowners policies set personal property coverage at 50–70% of the dwelling limit by default, which may be more or less than your belongings are actually worth. Renters choose a limit themselves. Totalling your belongings is the only way to know, and your agent can adjust the limit.

Question 2

Replacement cost or actual cash value?

Accepted Answer

Replacement cost pays what it costs to buy a new equivalent today. Actual cash value subtracts depreciation, so older items pay out much less. Check which one your policy uses; it matters as much as the limit.

Question 3

Where do the prices come from?

Accepted Answer

Each item starts at a typical mid-range U.S. retail price for buying it new, and the furnishing setting scales those up or down. Edit any quantity or price to match your home. The AI price check estimates a current replacement price for a specific item.

Question 4

Is my information saved?

Accepted Answer

Your answers are kept only in this browser so you can come back to them; you don't need an account. The AI price check sends only the item description you type. Like the rest of the site, we measure anonymous usage with Google Analytics.

Question 5

Is this an appraisal?

Accepted Answer

No. It's a planning estimate. For a claim you'll need an item-by-item inventory with photos, which is what Claimfrog is built for.

How much is your stuff worth?

1. Your home

2. Room by room

3. Big-ticket items (optional)

About the calculator