Contents calculator

Check your belongings and valuables without becoming an insurance expert.

Estimate everyday belongings, compare them with the belongings limit you can see, and get a plain checklist for valuables, documents, and policy pages to review.

Start checking belongings

About 3 minutes No contact info before results Not sure is okay Built for home, renters, condo, landlord

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.

Your situation

Pick the closest reason you are using the calculator.

Your situation

I just want a quick check Estimate belongings and see what to compare next. I have a declarations page Compare what you entered with the belongings limit shown there. I am shopping for renters insurance Separate your belongings limit from liability coverage. I bought or inherited something valuable See which policy page or item limit to check. Stuff is in storage, a vehicle, or travels with me Check whether location wording may matter. I had a theft, fire, water, or other loss Build a document checklist without deciding coverage.

Policy basics if you can find them

These are usually on the declarations page. Leave blank or choose not sure.

Policy type Policy form State ZIP code Coverage C / personal property limit This is the dollar limit for belongings. Home policies often call it Coverage C; renters policies may simply say personal property. Deductible Use the property or contents deductible shown for belongings if you see one. Personal property settlement Look for replacement cost, actual cash value, ACV, RCV, or loss settlement wording.

Any special household situation?

Home business, tools, or side gig gear Farm, ranch, acreage, livestock, or farm tools Roommate or co-tenant belongings Storage unit or property away from home

Quick belongings estimate

Estimate what it would cost to replace everyday belongings today.

Do not include the valuables you will list in the next section. Rough numbers are useful.

Furniture Sofas, beds, tables, shelves, desks. Electronics TVs, laptops, tablets, consoles, audio gear. Clothing and shoes Clothes, shoes, coats, bags, everyday wear. Kitchen and household Dishes, cookware, small appliances, supplies. Decor and linens Rugs, bedding, towels, books, lamps, wall decor. Tools and outdoor Lawn tools, hand tools, patio, home maintenance gear. Sports and hobbies Fitness, crafts, hobby gear, everyday bikes. Kids, school, baby Toys, school gear, baby equipment. Other everyday belongings Anything normal that is not listed as a valuable below.

Valuable or tricky items

Add only the items that make you wonder, "is this handled right?"

Item 1

Examples: ring, watch, camera bag, tools, bike, instrument, art, firearms.

Category Short description Estimated replacement value Use Where is it kept or used? Do you see this item or category on the policy? Which policy page mentions it? Limit shown for this item/category Leave blank if you cannot find one.

Proof you already have

Photo/video Receipt Appraisal Serial/model

What this calculator checks.

It estimates everyday belongings, adds any valuable items you list, compares the total to the belongings limit, and points out item limits, schedule pages, documents, replacement cost or actual cash value wording, off-premises use, 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, item limits, and document 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: everyday belongings and valuable items can be handled by different limits, so one big estimate should not hide a smaller item or category limit.

Why can a big Coverage C limit still need review?

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: jewelry, tools, cameras, firearms, storage, and business property often need their own page or wording checked before the main belongings limit tells the full story.

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.

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.

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: replacement cost and actual cash value are different ways a policy may value belongings, and depreciation can affect timing and amount.

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.

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.

Glossary

Terms used in this calculator.

Personal property / Coverage C

Your belongings. On homeowners policies, Coverage C is often the section that applies to personal property.

Replacement cost

A policy wording that may value belongings based on replacing them with similar new items, subject to policy terms, limits, and documentation.

Actual cash value (ACV)

A policy wording that may reduce value for age, wear, condition, or depreciation.

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, policy wording, and document requirements.

Blanket valuables coverage

A shared limit for a group of valuable items, sometimes with a smaller 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 summary, policy pages, and any photos, receipts, appraisals, or item details you choose to send. Nothing is sent until you submit the form.

Send belongings and valuables summary

Your calculator summary is already filled into notes below. Add contact details, carrier or renewal date, and anything else PureCover should know before sending. Uploading declarations pages, policy forms, endorsements, photos, receipts, or appraisals is optional but helpful.

First name

Last name

Phone

State

ZIP code

Coverage interest

Current carrier

Renewal date

Additional people, named insureds, or household members

Optional. Add co-applicants, a spouse or partner, other named insureds, household members, or anyone else who should be reviewed with the policy.

Lenders, mortgagees, HELOCs, HOAs, or other interests

Optional. Use this for auto lenders, lessors, mortgagees, home-equity loans, HELOCs, HOAs, landlords, property managers, certificate holders, or other parties that should be listed or reviewed.

Notes

Use notes for general context only. Do not type SSN, driver license numbers, full VINs, account numbers, payment details, or other private identifiers here.

Documents to upload

Upload only documents you want PureCover to review for this request. Documents are handled through PureCover's secure intake process.

Document type 1

File 1

Optional. Attach up to 4 PDF or image files. Each file can be up to 8 MB, with a 20 MB total upload limit. Your confirmation email will include a Request ID and a link to add documents later. Submitting documents does not bind, change, cancel, or guarantee coverage.

By checking this box and submitting this form, I agree that PureCover Insurance may contact me at the phone number and email address I provide about my coverage review or quote request, including by phone, text message, and email. Calls or texts may use automated technology or a prerecorded/artificial voice. Message and data rates may apply. Consent is not a condition of purchase. I can reply STOP to opt out of texts or contact PureCover Insurance to revoke consent. I agree to the Terms of Use and acknowledge the Privacy Policy. Coverage is not bound or changed through this website.

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You can still request a valuables or personal property review at Review My Coverage.

Check your belongings and valuables without becoming an insurance expert.

Use rough numbers. The result will tell you what to check next.

Your situation

Policy basics if you can find them

Quick belongings estimate

Valuable or tricky items

Item 1

Item 2

Item 3

Item 4

Documents you already have

Your belongings and valuables result

Do this next

Documents for this review

Send now

Still needed to review this result

Helpful if requested or already available

What this calculator checks.

What it does not decide.

Personal property, valuables, item limits, and document questions.

How much personal property coverage do I need?

Why can a big Coverage C limit still need review?

Does renters insurance cover my belongings or my landlord?

Do condo owners use this calculator differently?

Does replacement cost mean I get new-item money right away?

Do jewelry, cameras, instruments, or art always need a separate policy?

What documents should I gather?

Terms used in this calculator.

Review and update any missing information.

Send belongings and valuables summary