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Personal Property Inventory Calculator

When a fire, tornado, or other covered loss destroys your home, you're expected to list everything you owned -including its age, condition, and value. Our free Personal Property Inventory Calculator makes that process manageable and ensures nothing gets left out of your claim.

Room-by-room inventory organized by category
Built-in ACV and RCV calculator for every item
Automatically totals your inventory by room and overall
Helps you remember items you'd otherwise overlook
Creates an organized, presentable claim for your insurer
100% free -no strings attached

Free Guide

Personal Property Inventory Calculator

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WHAT'S INCLUDED

Every room, every category

Living areas

Furniture & seating
Electronics & TVs
Rugs, art & decor
Window treatments
Lighting fixtures

Kitchen & dining

Small appliances
Cookware & bakeware
Dishes, glasses & cutlery
Furniture & storage
Food & pantry items

Bedrooms

Beds, frames & mattresses
Dressers & nightstands
Clothing & footwear
Jewelry & accessories
Electronics & personal items

Office & special

Computers & equipment
Sports & hobby gear
Musical instruments
Collectibles & antiques
Garage & outdoor items

HOW IT WORKS

Four steps to a complete personal property claim

Go room by room

Work through each room systematically using the calculator’s built-in categories — so nothing gets skipped or forgotten.

Enter item details

For each item: description, quantity, approximate age, original purchase price, and current condition. The more detail, the stronger your claim.

Calculate ACV & RCV

The calculator automatically computes actual cash value and replacement cost value for each item — showing the full gap your insurer may try to exploit.

Submit your inventory

Present a complete, organized inventory with totals to your insurer — making it far harder for them to dispute, reduce, or overlook any item.

Know The Difference

ACV Vs. RCV — Why It Matters For Personal Property

Personal property is one of the most heavily depreciated components of any claim. Insurers apply standard depreciation tables that often have nothing to do with the actual condition of your items. Understanding the difference between ACV and RCV is essential to knowing what you're actually owed.

Actual Cash Value

What the item is worth today, after depreciation. A 5-year-old sofa that cost $2,000 might be valued at only $600 ACV. This is your first payment.

Depreciated — first payment

Replacement Cost Value

What it costs to replace the item with a new equivalent today. If you have RCV coverage, you receive the depreciation withheld once you replace and submit receipts.

Full replacement — second payment

Our in-house personal property team has helped hundreds of policyholders recover full value on their contents claims. Here's what makes the biggest difference:

Document every item — even items that seem too small or obvious to claim
Don't throw anything away until your insurer has inspected and agreed in writing
Research current replacement costs — not what you paid years ago
Keep all receipts when you replace items to collect the RCV withheld
Challenge depreciation that seems excessive or inconsistent with your item's actual condition
Never accept an ACV-only settlement if your policy provides RCV coverage

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Don’t Fight Your Insurance Company Alone.

Start with a free review — we'll dig into your claim, explain your options, and let you know if and how we can help. No obligation, no pressure.

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