How To Create a Home Inventory

When the unexpected happens, whether it’s a fire, theft, or some other type of loss, the aftermath can be overwhelming. While dealing with the emotional toll of losing personal belongings, navigating the insurance claims process may feel like an added challenge. This is where a home inventory checklist becomes a valuable tool.

What is a Home Inventory Checklist?  

A home inventory checklist is a detailed record of your belongings, including descriptions, values, and purchase dates (if possible). The goal is to document what you own so you have an accurate account in case you need to file an insurance claim.  

The Importance of a Home Inventory Checklist  

1. Streamline the insurance claims process. When filing an insurance claim, your insurer will likely ask for a detailed list of the items that have been lost or damaged. Without an inventory, it can be difficult to recall everything you owned, especially in a stressful situation.
   
   
2. Maximize your claim. A home inventory helps document the replacement cost or current value of each item, helping you get the financial reimbursement you deserve. Without a clear record, you risk underestimating your losses or having your claim denied due to lack of evidence.  
   
   
3. Determine the right coverage. Creating a home inventory can reveal whether your current insurance policy provides adequate coverage. For instance, you might discover that you own more high-value items than your policy covers, prompting you to consider additional endorsements.

Tips for Creating a Home Inventory Checklist  

Don’t know where to start? No problem. Our home inventory checklist will help guide you through each room in your home to document your belongings. Download the PDF below to get started.

Here are some tips to consider while you fill out your home inventory:

• Start small and stay organized: Begin with one room at a time to avoid feeling overwhelmed. Use categories such as furniture, electronics, appliances, clothing, and decorations to keep your inventory organized.  
  
  
• Document items thoroughly: For each item, record:  
  • Description (brand, model, color)  
  • Purchase date (or approximate year)  
  • Purchase price and/or current estimated value  
  • Serial numbers
    
    
• Take photos or videos: Take clear photos of items and zoom in on important details like labels and serial numbers. A video walkthrough of your home is also helpful to capture the overall scope of your belongings.  
• Keep receipts and appraisals: Store receipts, warranty documents, and appraisals for expensive items are all useful to hang onto in the long run. If possible, digitize these records and link them to your inventory document for easy access.  

By documenting your belongings, you may be able to save time, reduce stress, and ensure you’re adequately compensated for your losses. For more information on this topic, check out our article, “5 Tips for Protecting and Insuring Your Valuables.”

Source(s) used:

• “Three reasons to take a home inventory” Insurance Information Institute. Accessed January 8, 2025. https://www.iii.org/article/three-reasons-take-home-inventory.
• “A home inventory: Why you need it and how to do it” Texas Department of Insurance. Accessed January 9, 2025. https://www.tdi.texas.gov/tips/home-inventory.html.

This information is provided solely as an insurance risk management tool. It is provided with the understanding that the member insurance companies of the Utica National Insurance Group are not providing legal advice, or any other professional services or advice. Utica shall have no liability to any person or entity with respect to any loss or damages alleged to have been caused, directly or indirectly, by the use of this information. 

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