Personal Property Inventory Value Calculator
Estimate the total replacement cost value (RCV) and actual cash value (ACV) of your personal property inventory to ensure you have adequate renters or homeowners insurance coverage.
Electronics & Technology
Furniture & Appliances
Clothing & Personal Items
Sports, Hobbies & Other
Coverage Settings
Formulas Used
Replacement Cost Value (RCV): The current cost to replace an item with a new one of similar kind and quality, regardless of age.
Actual Cash Value (ACV) — Straight-Line Depreciation with Floor:
depreciationFactor = MAX(minResidual, 1 − (annualDeprRate × ageInYears)) ACV = RCV × depreciationFactor totalDepreciation = RCV − ACV
Net Insurance Payout:
netPayout = MAX(0, coverageValue − deductible) where coverageValue = RCV (if RCV policy) or ACV (if ACV policy)
Recommended Coverage Limit:
recommendedCoverage = totalRCV × 1.10 (10% safety buffer)
Annual Depreciation Rates by Category: