Total What Your Home Contents Are Actually Worth
A contents sum insured set five years ago is almost certainly wrong, and the consequence only appears when you claim: many policies reduce a payout in proportion to how under-insured you were. This totals your belongings at what they would cost to replace today, groups them by room, and compares the total against your sum insured so the gap is visible now rather than after a loss. Local only; nothing leaves the tab.
- Schedule
- Replacement-value total by room against your sum insured
- local
- What it replaces
- A sum insured nobody has checked in years
- $0.00
- Input
- Items with replacement values and your sum insured
- no card
- Output
- A total, a shortfall, and a likely claim reduction
- recomputed
What you pay otherwise
| Route | What you get | Cost |
|---|---|---|
| Professional inventory | Someone walking your house with a clipboard | $150+ |
| Discovering it at claim time | A payout reduced in proportion | thousands |
| Guessing a round figure | Usually low, always unverifiable | the gap |
| This page | The total, room by room | $0 |
The workflow
Value at replacement cost, not what you paid
Insurance replaces items at today's prices, so a television bought for 600 in 2019 may cost 750 to replace now. Using purchase prices systematically understates the schedule.
Do the rooms people forget
The loft, the garage, the shed, and the garden furniture routinely hold a fifth of a household's contents and almost never appear in a valuation. Include them or the total is wrong in a way that matters.
Count the small things in bulk
Clothes, books, kitchenware, and bedding are individually trivial and collectively large — often several thousand. Enter them as grouped lines rather than skipping them.
Check single-item limits separately
Many policies cap any one item at a fixed amount, commonly 1,500 to 2,500. Anything above that needs to be listed on the policy individually, and no total will reveal it — check the schedule line by line for items over your limit.
Worked example
Sample: 9 items across 4 rooms, sum insured 25,000 Living room 2,350 Kitchen 2,700 Bedrooms 5,600 Other 2,950 Total 13,600 — covered by 25,000 Headroom 11,400 · 4 items above the 1,500 limit Uploaded nothing — totalled in the tab
Numbers above are sample data produced by the tool's own pre-loaded example, run in the browser — not averages or measured benchmarks.
What breaks this
Using purchase prices understates the total because insurance pays replacement cost. Skipping the loft, garage and shed omits a fifth of most households' contents. Ignoring single-item limits — a total that looks fine can still leave an expensive item uncovered.
Try it now
Nine items totalling 17,300 against a 25,000 sum insured are loaded and show as over-insured. Lower the sum insured to 12,000 and watch the shortfall and claim reduction appear.
Open the schedule →Go deeper: the printable schedule
The schedule is free forever. The $4 one-time tier adds:
- Printable schedule — the itemised inventory on one document for the insurer — estimate: ~40 min saved retyping it for a claim.
- Saved inventory shelf — keep up to 4 inventories in this browser — estimate: ~30 min saved at the next review.
- High-value list — items above your single-item limit pulled out — estimate: ~20 min saved hunting through the list.