Professional services
Renters Insurance Calculator
Renters cover from the value of your possessions, plus liability.
Result
An estimating tool, not insurance advice and not a quote. Underwriting sets real premiums on factors no calculator sees. What cover is appropriate is a question for a licensed broker. The landlord's policy covers the building, never your possessions or your liability. Most people underestimate what replacing everything would cost: walking room by room adding up clothing, electronics, kitchen contents and furniture usually produces a figure well above the first guess. High value items such as jewellery and instruments have sub-limits and need scheduling separately.
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About this calculator
Does my landlord's insurance cover my things?
No. It covers the structure and the landlord's liability. Your possessions and your liability to others are entirely your own responsibility.
How much contents cover do I need?
More than you think. Walk each room and add it up; most people arrive at twice their initial guess once clothing and kitchen contents are counted.
The formula
premium = contents value / 1000 x rate x cover type factor + liability, less deductible credit
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Estimating is the easy part
The jobs you never hear about cost more than the ones you mis-measure. BDEVY builds the marketing, systems and automation that bring them in.