Your Belongings
Belongings & Special Limits Check
Your belongings vs. typical contents coverage — and the sub-limits that surprise people at claim time.
Calibrate
Drag to set each value — estimates are fine.
Furniture, clothes, electronics, kitchen — what it would cost to replace it all.
On your declarations page as "Personal Property". Leave blank if unsure.
Used to estimate a typical contents limit (50–70% of Coverage A) when Coverage C is unknown.
Categories that standard policies cap with special per-category sub-limits. Those marked carrier-specific are not standard-form limits — the figure shown is illustrative only.
Compared against
Typical per-category caps
ICC Team
Insurance Confidence Center
A number is a starting point. Walking through what it means for your actual policy is the part that changes anything.
What this means for you
Get a plain-English summary of your reading.
Levers that move this
- Estimated value of everything you own
- Your Coverage C (contents) limit, if known
- Your Coverage A (dwelling) limit, if known
- Which of these do you own?
Drag these dials above to see the effect instantly.
Get the full write-up
The assumptions behind the figure, the method, and the disclosures that go with it.