Utility Stack
Free insurance calculator
Estimate how much contents coverage you may need and a rough monthly premium for renters insurance planning.
Coverage result
Enter belongings and policy details to estimate coverage.
Estimate only. Review policy exclusions, sublimits, replacement-cost terms, and landlord requirements.
Estimate the replacement value of belongings, electronics, valuables, emergency costs, liability limit, deductible, and location risk.
Walk room by room and think in replacement-cost terms, not yard-sale value. Clothing, cookware, small appliances, tools, furniture, computers, and hobby gear can add up faster than expected when you imagine replacing everything at once.
Renters insurance can help replace belongings after covered losses and may include liability protection if someone is injured or property is damaged.
Your landlord's insurance usually protects the building, not your personal property. Renters coverage can also help with temporary living costs after certain covered losses, depending on the policy terms and limits.
A quick inventory does not need to be perfect to be useful. Start with categories that are easy to forget, then update the estimate after you check receipts, photos, or current replacement prices.
It does not include every policy exclusion, flood or earthquake coverage, business property, pet liability, sublimits, or scheduled personal property riders.
High-value jewelry, collectibles, camera gear, musical instruments, and business equipment may have special limits unless they are scheduled or covered by an added endorsement. Review those sublimits before assuming the full amount is covered.
Replacement-cost coverage generally looks at what it would cost to replace an item with a similar new item. Actual cash value coverage may subtract depreciation, which can leave a larger gap after a loss.
When comparing policies, check which valuation method is used. A small premium difference can matter if it changes how much you would actually receive after a covered claim.
Common mistakes include undercounting everyday belongings, ignoring policy sublimits, choosing a deductible that is too high for your emergency fund, or buying only the amount required by a lease. Use this estimate as a starting point, then compare policy details with an insurer or licensed agent.
This calculator is not an insurance quote and does not judge whether a policy is appropriate for you. Ask the insurer how deductibles, exclusions, temporary housing, replacement-cost rules, and scheduled property endorsements work before relying on the coverage amount.