How Much Are Your Belongings Worth?
Most people underestimate the value of their belongings by 50% or more. Use this room-by-room calculator to get a realistic estimate—and see if your insurance coverage is adequate.
Living Room
Furniture, electronics, decor
Bedroom(s)
Beds, furniture, clothing
Kitchen
Appliances, cookware, dishes
Electronics
Computers, phones, cameras
Jewelry & Valuables
Watches, jewelry, collectibles
Bathroom(s)
Towels, toiletries, electronics
Garage & Outdoor
Tools, lawn equipment, sports
Other Items
Holiday decor, books, hobbies
Estimated Total Value
Replacement cost of all belongings
$0
Your Results
Estimated Belongings Value
$0
Recommended Coverage
$0
Add 20% buffer for price increases
Why Calculate Your Belongings Value?
Most people dramatically underestimate what they own. Studies show the average homeowner owns $100,000-$300,000 in personal property, yet many only carry $50,000 in contents coverage.
This calculator gives you a quick estimate to help you understand if your current insurance coverage is adequate. For a complete inventory with photos, serial numbers, and documentation, use a dedicated app like Dib.
Tips for Accurate Estimates
- Think replacement cost — What would it cost to buy these items new today?
- Don't forget clothing — Add up all shirts, pants, dresses, coats, etc.
- Check drawers and closets — Items in storage still have value.
- Include consumables — Food, toiletries, and cleaning supplies add up.
- Count everything — Even "junk drawer" items have replacement costs.
Get a Complete Picture with Dib
The AI-powered home management app we built. It remembers everything so you don't have to.
- AI-powered inventory scanning
- Automatic maintenance reminders
- Document storage & extraction
- Vehicle tracking
- Emergency preparedness