📦 Home Inventory Total Value Calculator

Add your belongings by category and estimated value to build a running total of your personal property — useful for setting insurance coverage limits or filing a claim.

Category/Item

Estimated Value ($)

Category/Item

Estimated Value ($)

Category/Item

Estimated Value ($)

A running sum of your categories

There is no weighting and no depreciation applied here. Every row is added as typed:

total personal property = sum of each category value

The three starting rows — furniture $3,000, electronics $4,000 and clothing $2,000 — total $9,000. A blank or non-numeric value counts as zero, and an unnamed row is listed as “Category 3”, so a row you have finished with can simply be set to 0; there is no delete button.

Pricing the rows consistently

Decide which basis you are using before you start and hold it across every row. Replacement cost means what an equivalent new item sells for today. Actual cash value means that figure minus depreciation for age, which is what the ACV calculator works out item by item. Mixing the two gives a total that matches neither.

Work room by room, not from memory, and open the closets. Clothing and kitchen contents are the categories people underestimate most.
Group the cheap and itemise the dear. One line for “books and DVDs” is fine; the camera body gets its own.
Compare the total with your policy limit, not with your deductible. Homeowners policies commonly set personal property at 50% to 70% of the dwelling limit, and that default is where the shortfall usually hides.

A total is not coverage. Policies cap certain categories separately — jewelry lost to theft is often limited to around $1,500 whatever your total says — and lifting that cap takes a scheduled endorsement, not a bigger inventory.

Frequently asked questions

How much is the average household’s contents worth?

Most furnished homes land in the tens of thousands once clothing, kitchen contents and tools are counted honestly, but the number that matters is yours. Price your own rows.

How much personal property coverage do I need?

Enough to replace what you own. Total your categories here, then read the personal property limit off your declarations page. If the limit is lower, the difference is what you would pay out of pocket after a total loss.

Should I enter what I paid or what it is worth now?

Neither, if you have replacement cost coverage — enter what a new equivalent costs today. Enter the depreciated figure only if your policy settles at actual cash value, and then use it for every row.