personal-property
Free Tool

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

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.

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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

E-Books

Expert Guides & Tools For Property Insurance Claims

Access expert-created guides, tools, and resources designed to help homeowners and business owners navigate property insurance claims with greater confidence and clarity.