Home Contents Value Calculator
Add up the estimated replacement value of your furniture, electronics and belongings to help set a contents insurance sum insured.
Your results
Calculation breakdown
- Total value
- furniture + electronics + clothing + other belongings
Worked example
Furniture $8,000, electronics $6,000, clothing $3,000 and other items $4,000 totals $21,000 in contents value.
Assumptions
- Use replacement value (cost to buy new equivalents), not original purchase price.
- Check your insurer's own method for calculating an adequate sum insured.
How this calculator works
Enter the estimated replacement value of your furniture, electronics, clothing and other belongings by room or category to get a total contents value figure for insurance purposes.
Frequently asked questions
Should I use replacement value or what I originally paid?
Use replacement value — what it would cost to buy new equivalents today — as this is what most contents insurance policies are based on.
Is this figure accurate enough for my insurance policy?
This is a helpful starting estimate; check with your insurer for their specific method of calculating an adequate sum insured.
Should I include valuables like jewellery separately?
Many contents policies cap payouts for high-value items — check your policy and consider listing valuables separately with your insurer.
Results are estimates only and are not financial, tax, legal or credit advice.