Insurance
Renters Insurance Coverage Estimator
Add up your belongings, get a personal-property coverage target — plus liability and deductible benchmarks.
Enter your numbers above.
Estimates only — not financial advice. See assumptions below.
How this works
Assumptions
- Inventory values are your estimates — walk room to room for a realistic total.
- Individual valuables over roughly $1,500 (jewelry, instruments, cameras) may need a scheduled floater beyond the standard limit (III).
- Most renters policies default to actual cash value for belongings; replacement-cost coverage costs more but pays more.
FAQ
How much personal-property coverage do I need?
Roughly what it would cost to replace everything you own at today's prices. This estimator adds up your category estimates to a coverage target — then compare it to the policy's default limit.
What deductible should I choose?
$500 is the common baseline. Raising it to $1,000 can cut your premium by up to about 25% (III) — pick the highest deductible your emergency fund could absorb.
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