Home Inventory Calculator
Most people guess low. Then something happens and they find out what it actually costs to replace a closet.
This takes about fifteen minutes, works on your phone while you walk around, and doesn't ask for your email. At the end you'll know how much coverage to get — and, more usefully, which of your things go over the policy's limits.
This calculator gives you an estimate based on what you enter. It is not a quote, not a policy and not evidence of coverage. Coverage, limits, and exclusions are governed by the terms of the issued policy and vary by state. Kanguro Renters Insurance is available in Florida, Georgia, and Texas.
How the calculator works
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Pick your rooms. Living room, bedroom, kitchen, closet, storage.
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Tap what you own. We give you the common stuff so you're not staring at a blank screen.
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Put in what it would cost to buy again — not what you'd sell it for on Marketplace.
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Get your number, plus a list of anything that goes over a limit.
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Download the PDF and put it somewhere that is easy for you to access.
Why bother with an inventory?
Because after a loss, the hard part isn't the claim. It's proving what you had.
Nobody remembers what was in a closet. The adjuster isn't being difficult — they just can't pay for things nobody can show existed. A list made on a quiet Tuesday is worth more than a perfect memory on the worst day of your year.
It's also the only honest way to answer "how much coverage do I need." Every guide in this category tells you to add up your belongings. Almost none of them add them up for you.
What to do about the items that go over
You schedule them. Scheduling means listing an item on your policy with its own amount and its own premium — a few dollars a year for most things.
Our endorsement has classes for exactly the things people ask about: jewelry, personal electronics, cameras, musical instruments, sporting equipment, fine arts, designer clothing, appliances, and one called "Bike and Electric Scooter."
If you ride an e-bike or a scooter, that last one matters more than it sounds: motorized items aren't covered as ordinary belongings, so scheduling isn't an upgrade — it's how they get covered at all.
Scheduled Personal Property
Add optional coverage for your most valuable belongings.
For the things you couldn't easily replace. Cover high-value items beyond your standard policy limits.
What Can You Add to Your Coverage?
Jewelry & rings
Fine art
Instruments
Cameras
Electronics
Bicycles
Designer clothing
Sporting Equipment
How much coverage do most renters need?
More than they think. A studio with a laptop, a TV, a bike and a closet gets past several thousand dollars quickly, and that's before furniture.
The right number isn't a rule of thumb — it's your list. That's the whole argument for spending fifteen minutes on this.
And remember that a renters policy isn't one number. It's your belongings, your liability if someone gets hurt at your place, and somewhere to stay if you can't live there — three separate limits. The calculator handles the first one; your quote shows all three.
Life Happened at Home. Kanguro Jumped In.
Renters insurance in Florida, Georgia and Texas. A bilingual team of real people who answer in English or Spanish, one app for your renters and pet policies, and the option to schedule the things that go over the limits.
Life Happened at Home. Kanguro Jumped In.
Trusted by Renters Across the U.S.
See why renters choose Kanguro Insurance for fast, affordable coverage and exceptional support.
How it works
01
Document what
happened
Take photos, file a police report if needed, and notify your landlord.
02
Submit your claim in the Kanguro app
Upload your photos, tell us what happened, and submit your claim in minutes.
03
Get
reimbursed
Once approved, receive your reimbursement directly in your bank account.
