Estimate what it would cost to replace everything you own, room by room, so you insure for the right amount.
How this works
Typical replacement values (mid-range, 2026): living room $9,000, kitchen $8,000, each bedroom $5,000, each bathroom $1,000, clothes $2,500 per person, home office $4,000 and garage or garden $3,000. Budget homes run about 60% of that, high-end about 180%. Most people underinsure by 30% or more.
Questions people ask
How do I use the Home Contents Insurance Value Estimator?
Fill in the fields, starting with “Bedrooms”, “Bathrooms” and “People”, and change any other options that match your home. The answer, a drawing and practical tips update as you type, and the Copy link button saves your numbers in a link you can share.
Is the Home Contents Insurance Value Estimator free?
Yes. The Home Contents Insurance Value Estimator is free, with no sign-up, and works on phones, tablets and computers. The results are estimates to help you plan, so check with a qualified professional before structural, electrical, gas or plumbing work.