Home Inventory

Create a Home Inventory.

If disaster strikes, having a Home Inventory can protect your peace of mind and your wallet. Imagine trying to list every possession after a fire. It’s almost impossible. Instead, sit down today and start the process. Try closing your eyes and describing everything in a room. Then compare that to what’s there. You’ll be surprised by what you forgot.

Make the process manageable.

Don’t try to do everything at once. First, count the number of rooms, including closets, bathrooms, and your garage. Then, use your calendar to block off time over the next two weeks. Focus on one room a day.

Use both video and notes.

Use your cell phone to walk through each room, describing what you see and providing as much detail as possible. Then write down the item names, descriptions, serial numbers, and prices. Include receipts if you have them. Remember, many printed receipts fade, so make photocopies when you can—store copies of credit card statements that prove your purchases.

Talk to your insurance agent.

Contact your insurance provider and ask what documentation they require for a claim. Then review your coverage details. Does your policy cover the full replacement value, or just a portion? A complete Home Inventory will help you make sure you’re fully protected.

Know what isn’t covered.

Ask your agent what limits exist on items like jewelry, guns, coins, and art. You might need a special rider or policy. This conversation ensures you won’t face surprise exclusions when you need your insurance most.

Consider home inventory software.

One excellent tool is HomeManage Home Inventory Software. It allows you to organize your inventory by room and store multiple images, descriptions, and receipts. But keep a printed copy in a fireproof safe to prevent total loss in a fire or theft.

Protect the value you’ve built.

No one wants to think about losing everything. But planning ahead ensures you won’t start from zero. Your Home Inventory can make the difference between recovery and regret. So begin today—and sleep easier tonight.

To learn more, visit homeowners insurance.