Your Belongings
Renters Coverage Check
Your landlord's policy covers the building, not your things. See what a renters policy is actually carrying.
Calibrate
Drag to set each value — estimates are fine.
Furniture, clothes, electronics, kitchen — replacement cost, not resale value. People routinely underestimate this by half.
On your declarations page as "Personal Property" or Coverage C. Leave blank if unsure.
Used to illustrate the loss-of-use side, which pays if the place becomes unliveable.
Actual cash value pays what a used sofa is worth, not what a new one costs. It is the more common default on renters forms.
These carry per-category caps regardless of your overall limit. 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
- Value of everything you own
- Your personal-property limit, if known
- Your monthly rent
- How would your belongings be settled?
- 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.