Home Contents Inventory & Coverage Gap Calculator
Home Contents Inventory & Coverage Gap Result
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Versioned calculationFormula v1.0.0
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Calculated with the versioned 1.0.0 model.
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Method and test recordFormula v1.0.0
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- CalculatorGeek
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- Definition fixtures
- 1 configured scenarios
- Published examples
- 1 shown below
Recorded method
No tool-specific review method has been recorded.
These records describe the published model and reference tests. A test-case count is not a certification of every possible input or an independent specialist review. Editorial policy
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Method sources
Reference inputs and expected results
Up to 12 examples from the configured definition fixtures are shown. Expected values use the stated output units; invalid inputs are intended to be rejected.
| Case | Inputs | Expected result |
|---|---|---|
| Reference case | Market and currency: us; Living and dining: 10000 currency; Kitchen and appliances: 10000 currency; Bedrooms and clothing: 10000 currency; Electronics: 10000 currency; Jewelry, art and collectibles: 10000 currency; Tools, sports and hobby equipment: 10000 currency; Home office: 10000 currency; Garage and outdoor contents: 10000 currency; Other contents: 10000 currency; Policy contents limit: 75000 currency; Applicable high-value sublimit: 5000 currency; Illustrative average depreciation for ACV: 40 pct | Total entered replacement value: 90000; Contents coverage gap: 15000; Illustrative depreciated value: 54000; High-value category sublimit gap: 5000; Entered limit as share of replacement total: 83.3333333333 % (allowed numeric tolerance: 1.0E-6) |
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What this calculator answers
A useful contents limit starts with what comparable items would cost to replace today. This tool totals nine categories, compares the result with the written limit and keeps high-value sublimits visible.
Build a privacy-first category inventory and compare user-entered replacement values with a contents coverage limit.
Method and calculation order
Category replacement values are summed without guessing regional prices. The policy-limit gap and ratio are calculated separately from an optional depreciation scenario and high-value-item sublimit check.
Worked reference example
Nine categories of 10,000 each total 90,000. A 75,000 contents limit leaves a 15,000 aggregate gap; a 5,000 jewelry sublimit against 10,000 entered creates a separate 5,000 sublimit gap.
How to use the result
Use room-by-room photos, serial numbers, receipts and current like-kind replacement prices. Review scheduled property, business property, off-premises limits and exclusions separately.
What the calculator cannot know
This is not a rebuilding-cost model or claim settlement. It does not determine policy eligibility, valuation wording, pair-and-set treatment, depreciation by item, taxes, debris removal or local price inflation.
Frequently asked questions
Should I enter purchase price or replacement price?
Use current like-kind replacement cost for the coverage check and preserve purchase evidence separately.
Does the policy limit guarantee payment?
No. Coverage, cause of loss, sublimits, deductibles and valuation terms still apply.
Primary sources and review status
- NAIC — Homeowners Insurance
- NAIC — Actual Cash Value vs Replacement Cost
- NAIC — How Insurance Works
Sources and model boundaries checked 2026-10-08. This new opportunity-map expansion has automated formula, fixture and source QA but has not been represented as human editorial review. Keep the route noindex until CalculatorGeek records a completed YMYL editorial review.