Are you underinsured?
Adjust the categories to match your household, enter your personal property limit, and see the gap. Everything runs in your browser — we never see the numbers.
On a homeowners or renters policy this is listed as "Coverage C — Personal Property". Typically 50–70% of your dwelling coverage.
What would it cost to replace, by category?
Estimated replacement value
$99,800
Potentially underinsured
$24,800
On these estimates you would carry $24,800 of un-reimbursed value after a total loss.
Watch the jewelry sub-limit
Most policies cap jewelry theft at around $1,500 regardless of your overall limit — you listed $17,300, about $15,800 beyond it. A scheduled endorsement closes that.
Estimates only, and nothing here is saved or sent anywhere — it runs entirely in your browser. Aegis is not an insurer and this is not coverage advice.
Turn the estimate into evidence
Guesses do not survive a claim. Catalog one room free — photos, serial numbers and receipts — and Aegis tracks the real number as you go.
Why the gap happens
Personal property coverage is usually set as a percentage of your dwelling limit when the policy is written — not from an inventory. Fifteen years of purchases later, nobody has updated it.
Sub-limits bite hardest
Even inside a healthy overall limit, categories like jewelry, cash, firearms and collectibles are capped separately, often around $1,500 for theft.
Proof is the other half
Raising a limit is easy. Proving what you owned after the loss is the part that stalls claims — which is why the catalog matters as much as the number.
Prefer to look around first? Browse a finished sample home file.