Everyday contents plus listed valuable items.
Contents calculator
Check your belongings and valuables without becoming an insurance expert.
Estimate your stuff, compare it with the personal property limit you can see, and get a plain checklist for valuables, special limits, documents, and policy wording to verify.
About 3 minutes No contact info before results Not sure is okay Built for home, renters, condo
This is a review helper. It does not decide coverage or claim payment. Policy forms, endorsements, exclusions, limits, deductibles, valuation, and facts control.
Start easy
Use rough numbers. The result will tell you what to check next.
You do not need the whole policy to start. If a field is confusing, choose not sure and keep going.
Result
Your belongings and valuables review snapshot
Enter your details above, then calculate to see the simple comparison and next checks.
Coverage C or renters personal property limit.
This does not include special limits or exclusions.
Based only on what you entered.
Documents to gather
What this calculator checks.
It estimates ordinary belongings, adds the valuable items you list, compares the total to the personal property limit, and flags special-limit, schedule, document, RCV/ACV, off-premises, business, farm, and condo/renters questions.
What it does not decide.
It does not decide whether a loss is covered, whether a claim will be paid, whether an item must be scheduled, or whether a separate policy is required.
PureCover answers
Personal property, valuables, sublimit, and documentation questions.
These answers explain the same review logic the calculator applies. The declarations page, policy form, endorsements, exclusions, valuation wording, deductible, and facts still control.
How much personal property coverage do I need?
Start by estimating what it would cost to replace your everyday belongings today, then compare that number with the personal property or Coverage C limit shown on your policy or quote.
Why this matters: the calculator separates ordinary belongings from valuables and special categories so one large total does not hide a category limit.
Source: PureCover Insurance Personal Property And Valuables Coverage Check.
Why can a big Coverage C limit still leave a gap?
Some categories may have lower limits, special theft limits, per-item limits, location limits, business-use limits, or endorsement rules. A large personal property limit is only the first check.
Why this matters: Reddit threads and public scheduled-property guidance repeatedly show surprise around jewelry, tools, cameras, firearms, storage, and business property.
Source: PureCover Insurance Personal Property And Valuables Coverage Check.
Does renters insurance cover my belongings or my landlord?
Renters insurance can cover your household contents and personal belongings, while liability is a different part of the policy. Your landlord or property manager may be listed for notice or lease purposes, but that does not make their policy cover your belongings.
Why this matters: Idaho DOI explains renters coverage as household contents and personal belongings, not the rented structure.
Source: PureCover Insurance Personal Property And Valuables Coverage Check.
Do condo owners use this calculator differently?
Yes. Condo personal property is separate from HO-6 building property, unit improvements, HOA loss assessment, and master-policy deductible issues. This calculator checks belongings and valuables, then points condo building issues to review.
Why this matters: Idaho DOI notes condo coverage depends on HOA documents, master policy language, and the condo policy.
Source: PureCover Insurance Personal Property And Valuables Coverage Check.
Does replacement cost mean I get new-item money right away?
Not always. Some replacement-cost paths pay actual cash value first, then additional recoverable depreciation after repair or replacement and documentation.
Why this matters: Idaho DOI and NAIC both distinguish replacement cost from actual cash value and explain depreciation.
Source: PureCover Insurance Personal Property And Valuables Coverage Check.
Do jewelry, cameras, instruments, or art always need a separate policy?
No. They may already appear in the base policy, a special personal property endorsement, blanket valuables wording, scheduled property, or a personal articles policy. The calculator flags what to verify before assuming a separate path.
Why this matters: the policy form, declarations, endorsement schedule, limits, exclusions, valuation, deductible, and location/use wording control.
Source: PureCover Insurance Personal Property And Valuables Coverage Check.
What documents should I gather?
Gather the declarations page, base policy form, special limits page, endorsement schedule, replacement cost or ACV wording, exclusions or property-not-covered pages, photos, receipts, appraisals, and serial/model numbers.
Why this matters: Idaho DOI recommends photos/video and detailed item lists with brand, model, serial number, measurements, and support for high-value items.
Source: PureCover Insurance Personal Property And Valuables Coverage Check.
Glossary
Terms used in this calculator.
Personal property / Coverage C
Your belongings. On homeowners policies this is often called Coverage C.
Replacement cost
Replacement with like kind and quality, subject to policy terms and limits.
Actual cash value (ACV)
Replacement cost minus depreciation for age, wear, or condition.
Special limit / sublimit
A smaller limit for a category such as jewelry, firearms, money, tools, or business property.
Scheduled personal property
A listed item or category with its own value, wording, and document requirements.
Blanket valuables coverage
A shared limit for a group of valuable items, sometimes with a per-item cap.
Personal articles / inland marine
A coverage path often used for portable or high-value property, subject to its own terms.
Declarations page
The summary page that lists selected coverages, limits, deductibles, forms, and endorsements.
Endorsement
A policy form that changes, adds, limits, or explains coverage.
Property not covered
A policy section that can remove or narrow coverage for certain property types.
Off-premises property
Belongings away from the residence, such as in storage, traveling, or at another location.
Proof of value
Photos, receipts, appraisals, serial/model numbers, or other records that support an item's value.
Review request
Review and update any missing information.
PureCover can review the declarations page, base form, special limits, endorsements, exclusions, photos, receipts, appraisals, and valuables list. Nothing is sent until you submit the form.
Your optional details and calculator summary were filled in below. Review the form and press Send Review Request only when you are ready.