Building vs. Contents Coverage Calculator | HO-6, Renters & Home

Part 1: Which bucket does it fall in?

Tap anything in your home. "Building" is what's attached to the structure (dwelling coverage, or the walls-in part of a condo policy). "Contents" is what would fall out if you turned the house upside down (personal property coverage). Gray areas depend on your policy and, for condos, your association's bylaws.

BuildingContentsDepends

Tap an item to see where it lands and why.

Part 2: Suggested split for your home

A rough starting point for how much building and contents coverage to carry. We'll size the building side for condos (the number most people get wrong) and estimate contents for everyone.

What do you live in?

Interior square footage

Finish level

What does the condo association's master policy cover? It's in the bylaws or the master policy declarations. Many Montgomery County associations are "bare walls" or "single entity".

Bedrooms

How you'd describe your furnishings

Anything that needs its own attention? (tap all that apply)

Please note: results from this tool are general estimations only and should not be taken as official insurance advice or a coverage determination. Please consult directly with a licensed Terrapin agent at 240-243-0042 for a more official estimate for your situation.

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Send us your bylaws or declarations page and we'll size the building and contents limits precisely, then quote carriers that fit. No obligation.

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Frequently asked questions

What is the difference between building and contents coverage?

Building (dwelling, or walls-in for condos) covers what's attached to the structure: walls, floors, cabinets, fixtures, built-in appliances. Contents (personal property) covers what would fall out if you turned the home upside down: furniture, clothing, electronics, rugs.

How much building coverage do I need on a condo (HO-6)?

It depends on the association's master policy. Bare-walls master policies leave the entire interior to you; single-entity policies cover original finishes but not your upgrades; all-in policies cover most of the interior. The calculator sizes each case from your square footage and finish level.

Is a washer and dryer building or contents?

It varies by carrier. Installed, plumbed units are often treated as building; freestanding units as contents. Ask when you buy the policy, especially in a condo where the answer decides which policy pays.

Should contents be insured at replacement cost or actual cash value?

Replacement cost. Actual cash value deducts depreciation, so a ten-year-old sofa pays as a ten-year-old sofa. Replacement cost contents coverage is a small premium increase that changes claim outcomes.

Tool results are general information from a licensed insurance agency and are not a quote, a coverage determination or legal advice. Policy wording and carrier decisions control. Terrapin Insurance Group LLC, MD License #2073028.

Building vs. Contents: What Goes Where, and How Much?

Part 1: Which bucket does it fall in?

Part 2: Suggested split for your home

Want these numbers checked against your policy?

Request received!

Frequently asked questions

What is the difference between building and contents coverage?

How much building coverage do I need on a condo (HO-6)?

Is a washer and dryer building or contents?

Should contents be insured at replacement cost or actual cash value?

Prefer to talk it through?

Part 1: Which bucket does it fall in?

Part 2: Suggested split for your home

Want these numbers checked against your policy?

Request received!

Frequently asked questions

What is the difference between building and contents coverage?

How much building coverage do I need on a condo (HO-6)?

Is a washer and dryer building or contents?

Should contents be insured at replacement cost or actual cash value?

Keep going

Prefer to talk it through?