Depreciation represents the decrease in value of an asset over time due to everyday wear, damage, aging, or obsolescence. This calculator is designed specifically for insurance professionals—particularly adjusters—who need practical, field-tested depreciation estimates for a wide range of items across various categories.
Unlike accounting-based tools that use formulas like straight-line or double declining balance, this database reflects real-world loss in value as it would be assessed in claims, property damage evaluations, and contents inventories. The estimates help ensure fair settlements based on age and item type, not theoretical book value.
Whether you're calculating Actual Cash Value (ACV), Replacement Cost Value (RCV), or validating depreciation in a property or contents claim, this tool provides a fast and reliable reference rooted in claims industry practices—not accounting spreadsheets.
Automotive Equipment
Batteries Convertible Tops Golf Cart Paint Jobs Radios, Accessories Seat, Floor Coverings Tires TrailersBedding and Linens
Box Springs Comforters Cotton Blankets Down Pillow Electric Blankets Mattress Covers, Pads Mattresses Pillow Cases Quilts Sheets Spreads Synthetic Pillow Wool BlanketsBooks and Reference Materials
Fiction And Non-Fiction General Knowledge Reference Paperbacks Science, Engineering ReferenceBuilding Materials and Fixtures
Acoustical Tile Ceiling Aluminum Gutters Aluminum Siding Aluminum Windows Bathroom Cabinets Circuit Breaker Closet Doors Closet Shelves Composite Deck Concrete Chimney Cap Concrete Countertop Copper Water Lines Cultured Marble Countertop Diffusers, Grilles, Registers Ductwork Engineered Wood Flooring Exterior Doors Exterior Paint Exterior Wood Stain Fire Alarm System Fire Sprinkler System Flex Gas Lines Flexible Dryer Vent French Doors Garage Doors Garage, Laundry Cabinets Gas Fireplace Gypsum Insulation Interior & Exterior Caulking Interior Paint Interior, Hollow Doors Interior, Solid Wood Doors Kitchen Cabinets Laminate Countertop Laminate Flooring Linoleum Flooring Locks Doors Medicine Cabinets Metal Chimney Cap Natural Stone Countertop Plastic Water Lines Rollup Doors Screen Screen Doors Service Panel Skylights Stairs Steel Dryer Vent Steel Gas Lines Steel Gutters Stone Flooring Tile Countertop Tile Flooring Underground Pvc Piping Vinyl Flooring Vinyl Siding Vinyl Windows Wall Outlets Wall Switches Wallpaper Waste Pipe Water Softener Weatherstripping Doors Well Pressure Tank Well Pump Window Glazing Wiring Wood Countertop Wood Deck Wood Flooring Wood Paneling Wood WindowsCameras and Photography Gear
$50 Or Less Cost New Drone with Camera DSLR Camera Gimbal Lighting Kit Over $50 Cost New Photographic Supplies TripodCarpets and Area Rugs
$12.95 Per Yard Cost New $9.96 $20.95 Per Yard Cost New $12.96 $20.96 Per Yard And Above Cost New $5.95 Per Yard Or Less Cost New $9.95 Per Yard Cost New $5.96 Area Rug Carpet Runner Genuine Orientals Mats Outdoor CarpetChildren's Clothing
All Except Coats Coats Dresses Hats, Bonnets Jackets Play Clothes Shoes Snow Suits Suits UndergarmentsClocks and Timepieces
Grandfather Over $25 Cost New Under $25 Cost NewCommercial Equipment
Commercial Signage Forklift Pallet Jack POS Tablet Stand Walk-In Cooler Walk-In FreezerConsumer Electronics
Answering Machine Telephone Apple iPhone Blackberry Phone CB Radios Color Television Console, Portable, Table Radio DVD, Blu-Ray Player DVR E-Reader Google Phone Gps Hi-Fi, Stereo Phonograph High Definition Television HTC Phone LG Phone Samsung Phone Smart Display Stereo Receivers Stereo Speakers Stereo, Cd Player Streaming Device Tape, Wire Recorders Television Antenna Television Tower Video Camcorder Video Game Console VR HeadsetDecorative Home Items
Accent Pillow Artificial Flowers And Fruits Holiday Decorations Houseplants Lithograph Prints Oil Paintings Ornaments, Decoration Unused Candles VasesDrapes, Curtains, and Awnings
Cloth Awnings Curtains Draperies Shades Traverse Rods Venetian BlindsFood and Pantry Supplies
Beverages And Staples Commercial, Home CannedFurniture
Aluminum Or Steel Lawn Baby And Infant Goods Bookcases Built-in Closet System Children's Chrome, Plastic Ordinary Wood Desks and Tables Electric Fireplace Insert Fabric Lawn Footstools Camel Saddle Freestanding Bar Heavy, Chrome, Plastic Card Tables, Chairs Leather Furniture Mechanism Only Vibrator Chair Metal Bed Frame Murphy Bed Rattan, Wicker Bentwood Chairs Redwood Lawn Slipcovers Smart Lighting Fixture Solid Wood Swing Sets, Playground Equipment Upholstered Furniture Wine Rack Wrought Iron LawnHigh-Tech Medical Equipment
Anesthesia Monitors Apnea Monitor Blood Pressure Monitor Cardiac Ultrasonic Scanner CAT Scanner Defibrillator Doppler EEG Machine EKG Machine External Pacemaker MRI Scanner Nuclear Medicine Camera OB/GYN Ultrasonic Scanner Oximeter Spirometer Systolic Monitor Temperature Monitor Ultrasonic ScannerHobbies and Sporting Goods
3D Printer Archery Equipment Athletic Equipment Badminton Equipment Baseball Equipment Basketball Equipment Bicycles Billiard Balls Billiard Cue Sticks Billiard Tables Binoculars Boating Equipment And Supplies Boats Bowling Balls Camping Equipment Chess Sets Coin Collection Cricut Exercise Machine Exercise Machine Firearms Fishing Equipment Football Equipment Golf Clubs Hunting Gear Ice Skates Karate Gear Laser Engraver Outboard Motors Playing Cards Racquet Ball Equipment Roller Skates Running Gear Scope Scuba Gear Sewing Machine Skiing Equipment Soccer Equipment Stamp Collections Surf Board Swimming Gear Table Tennis Equipment Tennis Rackets Tennis Table Vinyl Cutter Volleyball Equipment Wrestling GearHome Fixtures and Fittings
Accessible, Ada Products Acrylic Sink Cast Iron Bathtub Doorbell Faucet Garage Door Opener Jacuzzi Tub Lighting Fixtures Shower And Tub Module Shower Door Showerhead Shut-Off Valve Soapstone Sink Stainless Steel Sink ToiletHVAC Systems
Air Conditioners (Window) Air-To-Air Heat Pump Attic Fans Cast Iron Boiler Ceiling Fans Central Air Conditioners Coal, Gas & Oil Furnaces Dampers Electric Boiler Evaporative Cooler Exhaust Fans Gas, Electric Heater Hot Water Or Steam Heater Portable Evaporative Cooler Steel Boiler ThermostatJewelry and Watches
$50 Or Less Watches Bracelets Broaches Costume Jewelry Cuff Links Earrings More Than $50 Watches Necklaces Other Jeweled, Precious Metal Items Pins RingsKitchen Equipment and Utensils
Cast Iron China, Glassware Copper Electric Knife Everyday Dishware Good Cutlery Heavy Aluminum Ice, Picnic Chests Miscellaneous Utensils Plated Silverware Stainless Steel Stainless Steel Silverware Sterling SilverwareLamps and Lighting
Desk And Floor Infrared, Sun Shades Sun Lamp Only BulbsLaundry Baskets and Hampers
Metal Plastic WickerLawn and Garden Tools
Barbeque Grills And Sets Chain Link Fencing Cloth Yard Goods Electric Hedge Clippers And Trimmers Garden Tools Hose Irrigation Valves Ladders Lawn Edgers Lawn Rollers Patio Umbrella Power Mower Push Mower Riding Mower Sprinkler Vinyl Fencing Wheelbarrow Wood Fencing Wrought Iron FencingLinens and Tableware
Doilies Irish Types Luncheon Sets Napkins Tablecloths TowelsLuggage and Travel Gear
Briefcases Suitcases TrunksMajor Appliances
Built-In Microwave Oven Built-In Refrigerator Built-In Wine Cooler Chest, Upright Freezer Compact Refrigerator Cooktop Dehumidifier Dishwasher Electric Dryer Electric Floor Polisher Electric Stoves, Ranges Electric, Gas, Oil Water Heater Garbage Disposal Gas Charbroiler Gas Dryer Gas Stoves, Ranges Hand Dryer Home Vacuum Cleaner Ironers Microwave Oven Office Vacuum Cleaner Range Hood Refrigerator Sewing Machine Space Heater Sump Pumps Tankless Water Heater Trash Compactor Washer Washer Dryer Combination Water PumpsMen's Clothing
Bathing Suits Boots Caps Formal Wear Fur Coats Gloves Handkerchiefs Hats Jeans Leather Jackets Neckties Overcoats Pajamas Raincoats Robes Shirts Shoes Slacks Sleepwear Sneakers Socks Sport Coats Suits Sweaters Underwear Uniforms VestsMiscellaneous Items
Antiques Aquariums Barometer Bookends Brick-A-Brac Cigarette, Collar, Jewel Boxes Crystal Drawing, Mapping, Sketching, Professional Equipment Figurines Fire Extinnguisher Flashlights Golf Cart Greeting Cards Hot Tub Ironing Board Ironing Board Cover Mirrors Natural Fiber Rope Photograph Albums, Pictures Picture Frames Professional Equipment Scrapbooks Slide Rule Stationery Stereo Tapes Synthetic Fiber Rope UmbrellaMusical Instruments and Supplies
$250 Cost New $50 CD Music Boxes Over $250 Cost New, Including Pianos Sheet, Book Music Under $50 Cost NewOffice Equipment and Supplies
Adding Machines Addressing and Mailing Machines Billing Machines Blueprint Machines Book, Display Cases Bookkeeping Machines Calculator Check Perforators Check Writers Computer Accessories Computers Counter, Mail Scales Dictation Machines Duplicating Machines Ergonomic Desk Chair Folding, Sealing Machines Home Typewriter Ink-Jet Printers Laser-Jet Printers Leather Wastebasket Lockers Loose-Leaf Binders Metal Wastebasket Miscellaneous Office Furniture Money Changing Machines Noise-Canceling Headphones Office Cabinets Office Filing Cases and Files Office Typewriter Photocopiers Plastic Wastebasket Safes, Vaults Standing Desk Converter Telephones USB Docking Station Water CoolersPersonal Care and Accessories
Barber Equipment Bathroom Scales Billfold Cigarette Lighter Clothes, Hair Brushes Cosmetics Curling, Flat Iron Dental Equipment Dentures Desk and Writing Implements Electric Massage Hand Vibrator Electric Shaver Eye Glasses Hair Dryer Hearing Aid Heating Pad Medicines Pocket Knife Smoking Pipes Toiletries Trophies, Awards Wheelchair Wigs, Hairpieces ($100 - $250) Wigs, Hairpieces (Over $250) Wigs, Hairpieces (Under $100)Pet Supplies
Pet Accessories Pet CagesRoofing Materials
Asphalt Architectural Shingles Asphalt Shingles 3-Tab Clay or Concrete Tile Copper EPDM Flat Modified Bitumen Flat, Built-Up Green Metal Simulated Slate Slate Sloped Modified Bitumen Sloped, Built-up TPO Wood ShinglesSmall Appliances
Air Purifier Air Washer Cappuccino Station Coffee Grinders Coffee Maker Electric Blender, Mixer Electric Can Opener Electric Fans Electric Frying Pan Electric Including Steam Iron Electric Knife Sharpener Electric Roaster Food Processor Griddle Hot Plates Humidifier Popcorn Popper Rice Cooker Slow Cooker Toaster Toaster Oven Vaporizer Waffle Iron Water CoolerSmart Home Technology
Built In Audio System Chair Lift Home Automation System Intercom Robot Vacuum Satellite Dish Security System Smoke Alarm Solar Panel Batteries Solar Panels Whole House Vacuum System Wireless Home NetworkTools and Tool Storage
Chainsaw Diagnostic Tools Lawn Aerator Lawn Dethatcher Manual Tools Paint Sprayer Power Tools Power Washer Snow Blower Tool Box Tool Chest Utility Dolly Wet/Dry Shop VacuumToys and Games
Electric Trains Games Miscellaneous Toys Scooter, TricycleVinyl Records and Music
33RPM, 45RPM Stereo 78 RPM StereoWomen's Clothing
Aprons Blouses Boots Bras Cloth Coats Cotton Robes Dresses Evening Gowns Fabric Pocketbooks Fur Coats, Stoles Gloves Handkerchiefs Hats Hosiery Jackets Jeans Leather Pocketbooks Leather, Suede Coats, Jackets Lingerie Quilted Robes Raincoats Scarves Shawls Shoes Skirts Slacks Sleepwear Sneakers Socks Suits Sweaters Swim Wear Underwear Uniforms Wedding Gowns
