A renters insurance calculator that turns “my stuff isn't worth much” into a number

Because the main objection to renters insurance is that the tenant doesn't own much, and the calculator answers it with the tenant's own totals. It also corrects the common belief that the landlord's policy covers a tenant's belongings. Each submission is a personal lines lead with an auto and liability conversation attached.

For many agencies, renters is the first policy a young client buys. A lead that arrives with an itemized total and a theft-limit question gives your producer something real to discuss, rather than a price check.

Agencies with large auto books can place the calculator on their auto pages to round out accounts. Each submission is de-duplicated against existing contacts, so a current auto client's renters lead lands on their record.

It adds six categories of belongings at replacement cost, applies one average depreciation rate to show actual cash value, subtracts the jewelry theft limit from jewelry and valuables to show what is exposed, and multiplies extra monthly housing costs by months displaced to estimate loss of use. It does not price a policy.

The single depreciation rate is a simplification; insurers depreciate each item by age and condition. Sub-limits for jewelry, electronics, firearms and other items vary by policy, which is why the theft limit is an input the visitor can change from the example figure.

Personal liability is explained in the definitions but not calculated. Raise it on the call: a renter's liability exposure, such as a fire that damages a neighbor's unit, can matter more than their belongings.

• Recommended personal property coverage
• Actual cash value of belongings
• Replacement cost vs. actual cash value difference
• Valuables above the theft limit
• Loss of use needed

They can share your direct link with tenants, which suits leases that require renters coverage. The tenant runs the numbers and decides whether to contact your agency. Before setting up any referral arrangement, check your state's rules on paying unlicensed referral sources, and never imply that the tenant must buy through you.

Attribution helps here. Give each property manager a link with its own UTM tags, and every lead shows which partner it came from, along with the landing page, referrer and first-touch source.

Keep the conversation honest about what renters insurance covers: belongings, liability and additional living expenses. The building itself is the landlord's responsibility, and the landlord's policy does not cover the tenant's property.