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How do you calculate home contents insurance?
I’m trying to figure out how much protection I need for my home insurance. Right now, I’m trying to figure out contents insurance and what it is. How do you calculate home contents insurance?
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s a great first step that you’re taking the time to determine how much minimum coverage you’ll need. To calculate how much home contents insurance you’ll need, start by making a personal inventory and add up the cost of all your belongings.
Contents insurance, also known as personal property coverage, protects your personal belongings from loss or damage due to covered perils.
To put together a personal inventory, you can go from room to room in your home and make note of all your important personal belongings: electronics, appliances, furniture, and so on. Include as much of the following as possible:
- Photo of item(s)
- Number of item(s)
- Purchase date
- Purchase price
- Receipts, if possible
- Serial/make/model numbers, if available
Having this information will also be extremely helpful if you need to file a claim. Once you’ve put together your comprehensive list, add up the cost of your belongings, and you should have a clearer idea of how much home contents insurance you should need.
If you have valuable items, like expensive jewelry, a family heirloom, or a piece of signed sports memorabilia, check with your insurer, as these items will often need additional coverage.
A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home or renters insurance. Jerry will even help you cancel your old policy.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price.
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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