Home Inventory Calculator - Replacement Value and Coverage Gap

For homeowners and renters who want every belonging listed by room with its replacement value, before they ever need to file a claim.

⚡ Instant download📊 Excel + Google Sheets🏠 Room-by-room inventory📄 PDF version included

The Home Inventory Calculator is a calculating spreadsheet (not a blank list) for Microsoft Excel and Google Sheets for homeowners, renters and people moving house. List every item by room and category with its purchase and replacement value, and it calculates your total replacement value, value by room and by category with charts, your replacement premium, your coverage gap against your policy limit and your top 5 most valuable items. You receive one Excel workbook (.xlsx) and one PDF version.

What you can do📋Room-by-room inventoryPick room and category from dropdowns and enter the purchase and replacement value of each item.🧮Total replacement valueAdds up what everything you own would cost to replace - the number an insurer asks for after a loss.🛡️Coverage gap checkCompares your replacement value with your policy limit to show whether you may be under-insured.📊Value by room and categorySummary and charts show value and item count by room and by category, plus your top 5 most valuable items.How it works

1. Open the workbook Open the .xlsx file in Microsoft Excel, or import it into Google Sheets (File, then Import).
2. Edit your lists On the Lists tab, adjust the rooms and categories that power the dropdowns.
3. Log your items On the Inventory tab, add each item with its purchase and replacement value, then read your totals and coverage gap on the Dashboard.

What's included

• ✔️ 1 Excel workbook (.xlsx) with Dashboard, Inventory, Lists, Summary and How it works tabs - opens in Microsoft Excel or Google Sheets
• ✔️ 1 printable PDF version with how-to-use pages

Why customers choose it📁Documented before a lossAfter a fire, theft or water damage, insurers ask what everything was worth; your list and totals are already in one file.🔍Two numbers kept separateReplacement premium (replace minus paid) and coverage gap (replace minus your policy) are shown as different figures.🚚Ready for moving dayThe room-by-room list helps you keep track of your belongings when you move house.Buy with confidence
Instant electronic delivery • One-time purchase • Friendly support — just message us on .Quick answersWhat software do I need?
Microsoft Excel or Google Sheets for the spreadsheet (in Google Sheets, import the .xlsx file), and any PDF reader for the PDF version.How is it delivered?
Delivered electronically right after purchase through messages - nothing is shipped.What is the coverage gap?
It is your total replacement value minus your policy limit, and it shows whether you may be under-insured. The replacement premium is a separate number: replacement value minus what you paid.Can renters use it?
Yes. Renters insurance needs an inventory too, and the rooms and categories are fully editable.Is this insurance advice?
No. It is a record-keeping and planning tool, not insurance, legal or financial advice.More from our storePlanning work on your home? See our Home Renovation Budget Calculator and Net Worth Tracker.Instant download after purchase - start your room-by-room inventory today.License & buyer notice
This is an electronically delivered product — nothing is shipped. The buyer is only receiving a revocable license with specific limitations: one user, for personal or internal business use; the files may not be resold, shared or redistributed. Electronically delivered goods do not qualify for the Money Back Guarantee. What you need: Microsoft Excel or Google Sheets; a free PDF reader for the PDF version. If anything is not right, message us on and we will fix it.