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Insurance & Protection · Property & Casualty

Renters Insurance Calculator

Short answer: What does the Renters Insurance Calculator calculate?

The Renters Insurance Calculator works out recommended personal property coverage, actual cash value of belongings and replacement cost vs. actual cash value. Add up what your belongings would cost to replace and see how much renters insurance coverage you need. It uses US rules and USD, and it is free to use on this page.

Updated · Applies to the United States (US rules, USD)

  • Free to use here · embed on the Business plan
  • 10 inputs · 5 results
  • Works in 6 languages
  • Uses US rules and USD

Try the Renters Insurance Calculator

See how much coverage your belongings need — results update as you type.

See all 12 themes
Theme
Mode

Ledger · Free on every plan · The classic CalcFunnel card: gradient results header, clean panels.

Loads from app.calcfunnel.com when you scroll here.

Estimates only — not a loan offer or financial advice. Switch theme and light/dark above to see how it could look on your site.

Put this calculator on your website

What this calculator does

What the Renters Insurance calculator works out

The Renters Insurance Calculator is a free, embeddable calculator from CalcFunnel. Add up what your belongings would cost to replace and see how much renters insurance coverage you need.

You enter 10 inputs: furniture, electronics, clothing & shoes, kitchen & household, jewelry & valuables, everything else, average depreciation (%), policy theft limit for jewelry, extra housing cost if displaced (monthly) and months displaced.

It returns recommended personal property coverage, actual cash value of belongings, replacement cost vs. actual cash value, valuables above the theft limit and loss of use needed.

Built for insurance agents and benefits advisors. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category.

Results it shows

  1. 01Recommended Personal Property Coverage
  2. 02Actual Cash Value of Belongings
  3. 03Replacement Cost vs. Actual Cash Value
  4. 04Valuables Above the Theft Limit
  5. 05Loss of Use Needed

The first figure — recommended personal property coverage — is the headline result.

Inputs

What you can change

Every field visitors can adjust, straight from the calculator, with the same help text they see on the info icon. Each one starts with a sensible default, and the 5 results update as they type.

Your Belongings (cost to replace)

Furniture
What it would cost to buy similar new furniture today: sofas, beds, tables, rugs, lamps.
Electronics
TVs, computers, phones, gaming systems and audio equipment.
Clothing & Shoes
Clothing, shoes, coats and accessories for everyone in the household.
Kitchen & Household
Dishes, cookware, small appliances, linens, towels and decor.
Jewelry & Valuables
Jewelry, watches, collectibles and other items that usually have a special theft limit.
Everything Else
Bikes, sports gear, tools, books, musical instruments and anything not listed.

Policy Details

Average Depreciation (%)
Roughly how much value your belongings have lost to age and wear. Used to show what an actual cash value policy would pay.
Policy Theft Limit for Jewelry
The special limit your policy sets for jewelry theft, from the policy or quote. The default is only an example — limits vary by insurer.
Extra Housing Cost if Displaced (monthly)
How much more you would spend each month on temporary housing, meals and travel if your rental became unlivable.
Months Displaced
How long it might take to find a new place or for repairs to finish.

Definitions

Renters Insurance terms, defined

The terms this calculator uses, in plain words. The same definitions appear inside the calculator for your visitors.

Renters insurance (HO-4)
A policy for tenants that covers personal belongings, personal liability and additional living expenses. It does not cover the building, which is the landlord's responsibility, and the landlord's policy does not cover your belongings.
Replacement cost vs. actual cash value
A replacement cost policy pays what it costs to buy a similar new item. An actual cash value policy subtracts depreciation, so a five-year-old laptop might be worth a fraction of a new one. The difference shown here is what you would pay yourself after a total loss with an actual cash value policy.
Special limits (sub-limits)
Lower caps a policy applies to certain property, such as jewelry, watches and furs for theft, cash, firearms, silverware and business equipment. If what you own is worth more, you can schedule the items on a rider or floater for their full value.
Scheduled personal property
Individually listed items, usually with an appraisal or receipt, covered for an agreed value and often for broader risks such as accidental loss. It costs extra but closes the gap between the theft limit and what your valuables are worth.
Loss of use
Coverage for additional living expenses, such as a hotel, higher rent or restaurant meals, while your rental cannot be lived in after a covered loss like a fire. Only the costs above your normal living expenses are paid.
Personal liability
Pays for injuries to others or damage to their property that you are legally responsible for, including legal defense — for example, a guest who slips in your apartment or a fire you accidentally start that damages a neighbor's unit. Limits of $100,000 to $300,000 are common.
Home inventory
A list, photos or video of what you own, with receipts for valuable items. It makes this estimate more accurate and speeds up a claim. Store a copy outside your home or in the cloud.

For your website

How it looks on your site

Put the Renters Insurance Calculator on your own site with your colors, copy and lead form, in whichever of these five ways suits the page. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

  • Inline, without an iframe

    Paste the snippet where the Renters Insurance Calculator should appear. It renders into your page, fills the width of its container and grows to fit.

    Best for: Landing pages, blog posts, calculator pages

  • Popup button

    A button sits on your page; one click opens the calculator in a popup over it.

    Best for: Pricing sections, hero areas, listings

  • Floating corner widget

    Paste once (or in your site-wide footer code) for a floating bubble in the corner of every page.

    Best for: Site-wide, always one click away

  • Your own link or button

    Give any existing link, button or image a class and it opens the calculator when clicked.

    Best for: Menus, images, in-text links

  • Direct link

    A full-page link to the calculator for emails, social posts, QR codes or a menu item.

    Best for: Email, social, print, QR codes

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

Widgets

Use it in a widget

Group the Renters Insurance Calculator with up to 11 other calculators in one widget: a floating launcher, tabs, a row of buttons or a card grid. Widgets per plan: Free 1, Pro 10, Business unlimited.

  • Floating launcher widget, Classic bubble design: Round launcher with a soft pulse and a clean list.

    Floating launcher

    A bubble in the corner of every page opens a menu of your calculators.

    6 ready-made designs

  • Tabs widget, Underline design: Text tabs with an animated underline.

    Tabs

    Calculators side by side in one block on the page, switched with tabs.

    6 ready-made designs

  • Buttons widget, Solid design: Filled buttons in your brand color.

    Buttons

    A row of buttons; each one opens its calculator in a popup.

    6 ready-made designs

  • Cards grid widget, Elevated design: White cards with a soft shadow and lift.

    Cards grid

    A grid of cards with an icon and a short blurb; click to open the calculator.

    6 ready-made designs

See every widget design

FAQ

Renters Insurance calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Renters Insurance Calculator calculate?
Add up what your belongings would cost to replace and see how much renters insurance coverage you need. It returns recommended personal property coverage, actual cash value of belongings, replacement cost vs. actual cash value, valuables above the theft limit and loss of use needed.
Q.02What information do I need to use the Renters Insurance Calculator?
You enter 10 inputs: furniture, electronics, clothing & shoes, kitchen & household, jewelry & valuables, everything else, average depreciation (%), policy theft limit for jewelry, extra housing cost if displaced (monthly) and months displaced. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Furniture” mean in the Renters Insurance Calculator?
What it would cost to buy similar new furniture today: sofas, beds, tables, rugs, lamps.
Q.04What does “Electronics” mean in the Renters Insurance Calculator?
TVs, computers, phones, gaming systems and audio equipment.
Q.05Is the Renters Insurance Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category. Compare plans.
Q.06Can I embed the Renters Insurance Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Can I change how the Renters Insurance Calculator looks?
Yes. Choose from 12 themes, each in light and dark, then set your own brand colors and font. Ledger, Minimal, Compact come with every plan; the others unlock on Pro and Business.
Q.08Is the Renters Insurance Calculator available in other languages?
Yes. It works in English, Spanish, Simplified Chinese, Korean, Vietnamese and Arabic, with a right-to-left layout in Arabic. Labels, tooltips, results and definitions are translated, visitors can switch language inside the calculator, and amounts stay in US dollars and US number format.
Q.09Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.10Are the Renters Insurance results financial advice?
No. Estimates only. Based on the values you enter for your belongings; it does not price a policy. Actual cash value uses a single average depreciation rate, while insurers depreciate each item by age and condition. Special limits for jewelry, electronics, firearms and other items vary by policy — check your policy for its sub-limits. Your landlord's insurance does not cover your belongings. Consult a licensed insurance professional.

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