Renters insurance coverage checker

Fill in what happened. The worksheet applies the perils, exclusions and special limits of the standard renters form (ISO HO 00 04, 2011 edition), then takes off depreciation and your deductible. Your insurer may use its own form: the result names the section to compare against yours.

CLAIM WORKSHEETFORM HO 00 04

What happened

Where

What

Cost to replace

Age in years

Deductible

Coverage C limit

Your policy pays

Actual cash value Replacement cost

The standard form pays actual cash value; replacement cost is an add-on. Your declarations page says which.

Useful life for depreciation, years Insurers use their own tables. This is a straight-line illustration; 0 means no depreciation.

The newer 2022 edition of the form raises some special limits, such as jewelry theft. How we answer