---
title: Total What Your Home Contents Are Actually Worth — Free
description: List your belongings with their replacement values and get the total, whether your sum insured covers it, and how far under — the figure that decides whether a claim pays out in full. Runs locally.
category: household
last_verified: 2026-09-12
freshness: green
published: 2026-09-12
canonical_url: https://gratis-ai.pages.dev/articles/home-inventory-insurance-schedule.html
companion_app_url: https://gratis-ai.pages.dev/apps/home-inventory-insurance-schedule.html
reading_time_minutes: 4
tags: household, insurance, inventory, money, no-account
---

# Total What Your Home Contents Are Actually Worth — Free

List your belongings with their replacement values and get the total, whether your sum insured covers it, and how far under — the figure that decides whether a claim pays out in full. Runs locally.

**Free and complete.** This guide is a standalone free tool — no account, no card, anywhere. The only paid option is one optional extra outcome: $4 one-time. Nothing in the free tier is gated.

## Who it's for

Policyholders who set a contents figure years ago and have no idea whether it still matches what they own

## What's free

- Unlimited items and rooms
- Replacement-value total by room
- Shortfall against sum insured with claim reduction

## Optional paid add-on

**$4 one-time.**

- Printable schedule — the inventory on one document — estimate: ~40 min saved.
- Saved inventory shelf — up to 4 in this browser — estimate: ~30 min saved.
- High-value list — items above your limit — estimate: ~20 min saved.

## Sources & verification

- Tool: Local contents valuation calculator (no model needed)
- Primary source: the free tool itself (local-first, no external dependency)
- Last verification: 2026-09-12 (green)

## Use it

- Interactive guide: https://gratis-ai.pages.dev/articles/home-inventory-insurance-schedule.html
- Companion app: https://gratis-ai.pages.dev/apps/home-inventory-insurance-schedule.html
- This machine-readable mirror: /mirrors/home-inventory-insurance-schedule.md

*Generated free at https://gratis-ai.pages.dev/articles/home-inventory-insurance-schedule.html — every guide on GratisAI is a complete, working tool. $0, no account, no card, anywhere.*