Why a home inventory helps
After a fire, break-in or storm, it's hard to remember everything you owned. A clear record makes it easier to list your losses, support their value and get through a claim with less stress.
It also shows you how much your belongings are really worth, which helps when you choose coverage.
How to build one
You don't need special skills. Start with what you have and fill in details over time.
- Walk through each room with your phone and record a narrated video
- Open closets, cabinets and drawers as you go
- Take close-up photos of brand names, model and serial numbers
- Save receipts, appraisals and warranty papers in one folder
- Note roughly when you bought each larger item and what you paid
A room-by-room checklist
- Living areas: TVs, furniture, rugs, art, books
- Kitchen: appliances, cookware, dishes, small electronics
- Bedrooms: clothing, shoes, jewelry, laptops and tablets
- Bathrooms and linen closets: towels, bedding, personal care devices
- Garage and basement: tools, bikes, lawn equipment, sports gear
- Storage and attic: seasonal items, holiday decorations, keepsakes
Where to keep it
Store copies somewhere you can reach even if your home is damaged, such as a cloud folder or an email to yourself. Some people keep a copy with a family member too. An inventory app can help organize photos and receipts in one place.
Check your coverage against it
Most people are surprised by the total. Once you add it up, compare it with the personal property limit on your policy. Also check whether your policy pays replacement cost or actual cash value, since that changes what you'd receive. Coverage depends on your policy, so review it or talk with your agent.
Valuables may need extra coverage
Many policies set lower limits for certain categories, such as jewelry, watches, collectibles or fine art. If you own high-value pieces, ask about scheduling them on your policy. That usually means listing each item with an appraisal or receipt.
Keep it up to date
Update your inventory after big purchases, gifts or moves. A quick review once a year, perhaps when your policy renews, keeps it accurate without much effort.
