Theft Claim Deductible Calculator

Plan your deductible before filing a theft claim. Compare ACV and replacement payouts instantly side-by-side. See what insurance covers and what you pay overall.

Calculator Inputs

Set 0 to ignore policy limit.
Example: 100 means full coverage on covered loss.
Applied to replacement cost before depreciation.
Percent type supports optional min/max caps.
Flat amount in your currency.
Some policies pay depreciation after replacement proof.
Leave 0 for no minimum.
Leave 0 for no maximum.

Itemized stolen property

Add each item, its replacement cost, depreciation, and any special sublimit.
Item Replacement cost Depreciation (%) Sublimit (optional)
Sublimit caps the covered amount for that item.
Reset

Example Data Table

These sample scenarios show how deductible, limits, and depreciation change the payout.
Scenario Total RC Policy limit Deductible Recovery Estimated final payout
Small theft, flat deductible $1,800 $5,000 $500 ACV + recovery $1,300
High loss, policy limit binds $12,000 $7,500 $1,000 Replacement basis $6,500
Jewelry sublimit reduces coverage $4,200 $10,000 $500 Replacement basis $3,200
Percent deductible with minimum $6,000 $10,000 5% (min $750) ACV only $4,250
Heavy depreciation reduces initial payment $3,500 $10,000 $500 ACV + recovery $3,000

Formula Used

Item calculations
  • RC_with_tax = RC × (1 + tax%)
  • ACV = RC_with_tax × (1 − depreciation%)
  • If a sublimit exists: cap = min(value, sublimit)
Coverage and deductible
  • Covered = min(sum_after_sublimits, policy_limit) × coverage%
  • Flat deductible: Ded = amount
  • Percent deductible: Ded = Covered_ACV × percent, with optional min/max.
Payments
  • Initial payment (ACV basis): Pay_ACV = max(0, Covered_ACV − Ded)
  • Final payment (replacement basis): Pay_RCV = max(0, Covered_RCV − Ded)
  • Recoverable depreciation (if applicable): Extra = max(0, Pay_RCV − Pay_ACV)
This tool is for estimation. Actual claims may include exclusions, documentation rules, or adjuster decisions.

How to Use This Calculator

  1. Enter your policy limit, coverage percentage, and sales tax rate.
  2. Choose deductible type, then enter the deductible value.
  3. Add each stolen item with replacement cost and depreciation.
  4. Use sublimits for categories with special coverage caps.
  5. Press Calculate to view payments, out-of-pocket, and chart.
  6. Download CSV for records, and PDF for sharing.

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Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.