🏠 Renters Insurance Baseline Estimator

Select which rooms you have furnished to get a rough baseline estimate of your personal property value — a starting point for choosing renters insurance coverage limits.

Rooms/Areas (check all that apply)

Bedroom ($8,000 avg) Living Room ($6,000 avg) Kitchen ($3,000 avg) Home Office ($2,000 avg) Bathroom ($1,500 avg) Dining Room ($2,500 avg) Closet/Storage ($1,000 avg)

Fixed room averages, added up

Every box carries a set dollar figure, and the estimate is the sum of the ones you tick:

Room	Value used
Bedroom	$8,000
Living room	$6,000
Kitchen	$3,000
Dining room	$2,500
Home office	$2,000
Bathroom	$1,500
Closet or storage	$1,000

The three ticked by default — bedroom, living room and kitchen — come to $17,000. Every box ticked comes to $24,000. Each room can only be counted once, so a second bedroom means adding another $8,000 yourself, and the figures cannot be edited: if your bedroom holds a $3,000 bike, this tool cannot see it.

From baseline to a coverage limit

Treat it as a floor. It is an orientation number, and the way to beat it is a real inventory priced room by room on the home inventory value calculator.
Ask for replacement cost, not actual cash value. An actual cash value policy depreciates your four year old TV before it pays; the premium difference is usually small.
Personal property is one of three limits. Liability and loss of use are separate, are not estimated here, and are the reason renters policies exist at all for many people.

A record you keep is not a valuation, and a total does not override a sub-limit: jewelry, cameras, bicycles and computers are commonly capped as categories. Photograph what you own with serial numbers visible and keep the file off-site — it is the evidence you will wish you had, whatever your insurer ends up accepting.

Frequently asked questions

How much renters insurance do I need?

Enough to replace your belongings, which the ticked rooms put near $17,000 for a one bedroom apartment. Price your own electronics, bike and wardrobe before settling on a limit.

Does renters insurance cover my roommate’s belongings?

Not unless the policy names them. Roommates normally need their own cover; two separate policies are also usually cheaper than one shared limit big enough for both.

Is the landlord’s insurance enough?

No. It covers the building, not your furniture, and not your liability if a fire that starts in your kitchen spreads. Everything inside the door is yours to insure.