Indemnia vs Contents.team
Contents.team and Indemnia both turn a contents loss into a priced schedule with RCV, depreciation and ACV on every line, and both export a file XactContents can load. The difference is where the evidence comes from and what happens after the carrier pays.
Price
Indemnia
Solo $299/month (up to 5 active claims), Firm $649/month (unlimited claims)
Contents.team
$299 per user per month, 1,000 items included, then $0.80 per item
Users
Indemnia
Unlimited on both plans
Contents.team
Per seat
How the list starts
Indemnia
Your client's own email receipts and room photos
Contents.team
Your photos of the loss, room by room
RCV, depreciation and ACV per line
Indemnia
Yes
Contents.team
Yes
XactContents export
Indemnia
Yes, spreadsheet
Contents.team
Yes, XLSX with CAT/SEL codes
Imports the carrier's depreciation report and compares line by line
Indemnia
Yes
Contents.team
No
Tracks recoverable depreciation owed
Indemnia
Yes
Contents.team
No
Prices checked October 2026.
Choose Contents.team if you build schedules from your own photos and you want CAT/SEL coding done for you.
Choose Indemnia if your clients bought things that are no longer in the photos, or you want to argue the carrier's depreciation with the carrier's own numbers. For a team of two or more, our Firm plan also costs less than two seats.