All the (Forgotten) Comforts of Home

Are you renting an apartment, house or condo? Look around and think for a minute just how much stuff you have. Now think of what it would cost to replace everything if you had to after a fire, flood, theft or other catastrophic events.

Don’t think you have a lot of stuff? Or your stuff isn’t valuable? Think again.

For this article, we’re going to explore a typical 850-1000 square foot apartment, room by room and see just how much stuff we’d have to replace. Play along at home!

The Kitchen – $4,500 +

  • Pots and pans – approximately $350
    • 2 large frying pans
    • 1 small frying pan
    • 1 sauté pan
    • 1 saucepan
    • 1  wok
    • 1 large pasta pot
    • 2 soup pots
  • Bakeware – approximately $50
    • 1 casserole dish
    • Cookie sheet
    • Muffin tins
  • Kitchenware – approximately $600
    • Dishes
    • Glassware
    • Coffee mugs
    • Silverware
    • Cutting Knives
    • Dish towels
    • Can opener
    • Plastic containers for food
    • Mixing bowls
    • Measuring cups
    • Utensils
  • Appliances – approximately $1,000
    • Microwave
    • Coffee maker
    • Blender
    • Crockpot
    • Soda Stream
    • Toaster
    • Tea Kettle
  • Major appliances – $2,000
    • Fridge
    • Stove
    • Dishwasher
  • Table, Chairs – approximately $500
  • Miscellaneous – approximately $50
    • Dish soap and detergent
    • Napkins

In the kitchen alone we have about $4,500 worth of stuff, and that doesn’t factor food costs!  Let’s add another $1000 for food items like flour, cereal, juices, canned goods, junk food, perishables, coffee etc.

The Bathroom – $1,700 +

  • Toiletries – approximately $1000
    • Toothbrush
    • Toothpaste
    • Mouthwash
    • Dental floss
    • Deodorant
    • Makeup
    • Cologne or perfume
    • Soaps, shampoos, lotions
    • Face creams
  • Supplies – approximately $500
    • Toilet paper
    • Tissues
    • Cleaning supplies
    • Toilet plunger
    • Hairdryer
    • Straightener
    • Toilet brush
    • Garbage can
    • Shower curtain
    • Body scale
  • Towels – approximately $200
    • Hand towels x 4
    • Bath towels x 4
    • Bath mat x 1

If you have more than one bathroom, adjust accordingly. 

The Master Bedroom – $16,000 +

  • Furniture – $5,000
    • Bed frame
    • Mattress
    • Night side table
    • Dresser
    • Desk and chair
    • TV
    • Lamp x 2
  • Necessities – $1,000
    • Pillows x 2
    • Sheets
    • Blankets and comforters
    • Curtains
    • Hangers
    • Pictures and art work
    • Clothes basket or hamper
    • Garbage can
  • Clothing – $10,000
    • Socks
    • Underwear
    • T-shirts
    • Shorts
    • Jeans
    • Dress shirts
    • Skirts and dresses
    • Suits
    • Blazers
    • Purses
    • Jewelry and watches

It’s impossible to put a general value on clothing, but let’s just say that you have $10,000 worth of clothing. Remember, bras are about $50 each, boxer shorts are $20 each etc, plus your favourite pairs of jeans, tops, shirts etc. For each additional bedroom, add another $10,000 in value for furniture and clothing.

The Living Room – $20,000 +

  • Furniture – $5,000
    • Couch/sectional
    • Coffee table
    • Side table
    • Lamp x 2
    • Area rug
    • Stationary bike
  • Electronics and related items – $15,000
    • TV (50”+)
    • TV stand (or wall mount)
    • Stereo or turntable
    • Xbox or PS4 with extra controllers
    • Bluray or DVD player
    • Bookshelf
    • Books
    • Laptop/desktop
    • DVDs
    • Video games
    • Records and CDs
    • Miscellaneous items
      • Paintings or wall art
      • Trinkets and collectibles

The Storage Closet – $1,000 +

  • Cleaning supplies – $750
    • Vacuum
    • Mop
    • Bucket
    • Broom
    • Dustpan
    • Extra hand soap
    • Liquid cleaners
    • Scrubbing brushes
    • Paper towels
    • Laundry detergent
    • Fabric Softener
  • Miscellaneous  – $250
    • LED light bulbs
    • Candles
    • Lighter
    • Batteries
    • Flashlight x 2
    • First aid kit

The Rest/Garage – $10,000 +

  • Barbeque
  • Patio set
  • Mountain bike
  • Bike helmet
  • Rollerblades
  • Guitar
  • Shovel
  • Garden hose
  • Sporting equipment
  • Extra windshield washer fluid
  • Shelving units

Just by walking around the apartment, we can conservatively estimate over $50,000 worth of content.

$50,000+ of content


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*Please note, this article is not intended to be advice. The best advice this blog will give is to call your Broker for advice.

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