Tenant Insurance Coverage Calculator
Build a replacement-cost inventory instead of guessing whether $20,000, $30,000 or $50,000 of contents coverage is enough.
Estimate your belongings
Use replacement cost, not what you originally paid or what used items would sell for today. Specialty items can have sub-limits even when your total contents limit looks sufficient.
What the calculator does
It totals your estimated replacement cost, adds a buffer for items you forgot or prices that rise, then rounds the result up to a practical coverage tier. It does not estimate your insurance premium because premiums are address-, building-, claims- and policy-specific.
What it does not capture automatically
Jewellery, bicycles, collectibles, musical instruments, business equipment, water damage and other specialty exposures can have separate limits or exclusions. Check the declaration and policy wording rather than assuming your total contents limit applies without sub-limits.
Related pages
Tenant insurance hub →
2026 Canada Tenant Insurance Lease & Coverage Reference →
Best tenant insurance in Canada →
General planning tool only; not insurance, legal or financial advice. Verify policy wording and lease requirements.