Personal Property Coverage Calculator
Enter the estimated value of your belongings by category. Leave fields blank or at $0 if not applicable.
About Personal Property Coverage
Standard homeowners and renters insurance policies include personal property coverage, but it comes with sub-limits on certain high-value categories. Jewelry is typically capped at $1,500–$2,500, and electronics may have specific limits. If your jewelry exceeds $2,000 or your electronics exceed $5,000, a scheduled personal property rider (also called a floater) provides broader, higher-limit coverage — often without a deductible. Creating a detailed home inventory helps ensure you have adequate coverage and speeds up the claims process.
Frequently Asked Questions
What is a scheduled personal property rider?
A rider (or floater) is an add-on to your policy that provides specific, itemized coverage for high-value items — often with no deductible and broader coverage for mysterious disappearance or accidental damage.
How do I prove the value of my belongings after a loss?
Maintain a home inventory with photos, receipts, serial numbers, and appraisals for high-value items. Store a copy in the cloud or a safe deposit box — not just at home.
Does homeowners insurance cover theft of personal property outside my home?
Most policies cover off-premises theft (e.g., items stolen from your car or a hotel room) but at reduced limits — often 10% of your total personal property limit.
What is replacement cost vs. actual cash value for personal property?
Replacement cost coverage pays to replace items at today's prices. Actual cash value deducts depreciation, so a 5-year-old laptop may pay out much less than it costs to replace.
Are collectibles and art covered?
Standard policies have low sub-limits for fine art and collectibles. Get a professional appraisal and consider a scheduled rider or separate inland marine policy for valuable collections.
Results are estimates only. Actual coverage limits and sub-limits vary by policy. Consult a licensed insurance professional for guidance on appropriate coverage levels for your belongings.