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Closets & clothing inventory checklist for an insurance claim
Count by type. A typical adult wardrobe replaces for $5,000–$15,000. Use this list to jog your memory when you document a fire, flood, smoke or theft loss. The prices are typical mid-range replacement costs for new items in the US. Adjust them to what you actually owned. A closets & clothing with just these items adds up to about $6,920 at replacement cost.
Check off your closets & clothing items in LossList
Tap the items you owned, adjust values, and LossList builds your claim spreadsheet with depreciation calculated, free to start.
Start my inventory freeClosets & clothing items and typical replacement costs
| Item | Typical replacement cost (new) | Typical useful life |
|---|---|---|
| Shirts & tops | $600 | 5 yrs |
| Pants & jeans | $500 | 5 yrs |
| Dresses / skirts | $500 | 5 yrs |
| Suits & blazers | $800 | 8 yrs |
| Sweaters & hoodies | $400 | 5 yrs |
| Underwear & socks | $250 | 5 yrs |
| Pajamas & loungewear | $150 | 5 yrs |
| Workout clothes | $300 | 5 yrs |
| Winter coats | $500 | 8 yrs |
| Jackets & rain gear | $300 | 8 yrs |
| Sneakers | $300 | 4 yrs |
| Dress shoes / heels | $400 | 4 yrs |
| Boots | $300 | 4 yrs |
| Sandals & slippers | $100 | 4 yrs |
| Handbags & wallets | $500 | 4 yrs |
| Belts, ties, scarves, hats, gloves | $200 | 4 yrs |
| Sunglasses | $200 | 4 yrs |
| Swimwear | $120 | 5 yrs |
| Hangers & closet organizers | $100 | 10 yrs |
| Luggage | $400 | 10 yrs |
Tips for listing your closets & clothing
- List items separately with quantity. "Kitchen stuff, $2,000" will be rejected; "Pots & pans set (10 pc, Calphalon), qty 1, $300" won't.
- Include brand and model wherever you remember them. They justify a higher replacement cost.
- Estimate age honestly. Depreciation is calculated from age, and adjusters check plausibility.
- Look through old photos, social media posts, Amazon and credit card order history, and phone videos for items you've forgotten.
Other rooms: Kitchen · Living room · Primary bedroom · Other bedrooms / guest room · Kids' room & nursery · Bathrooms · Home office · Dining room · Laundry & utility · Garage & basement · Patio & outdoor · Hobbies & valuables