Double-Check That You Have Enough Coverage But you probably already know which are the big-ticket items, so take the extra steps needed to get as much information as you can on these items. You probably won’t have receipts and dates of purchase for every coffee mug or side table. Ensure Your Most Expensive Items Are Well-Documented If you have many baseball caps, you can simply list the total number rather than creating a separate line item for each one. Group Like-Items TogetherĪnother method you may choose to do in addition to moving room-by-room is group similar things together. If you're short on time, the best place to start is by taking a video. For example, start in one corner and rotate until you catalog everything on the walls, in the room, and inside furniture. Create a system to make sure you don’t miss anything. Make your task easier by checking each room off your list one by one. Here are a few tips: Break It Down by Room Now you know what your home inventory should include - but where do you start? If you suffer a covered loss, this helps the adjuster determine the value of your claim – so including every single item in detail only helps you. You'd also add your cloud shower curtain from Urban Outfitters ($40), the soap you use in the shower ($9.99), and the contents of your skincare fridge with the same level of detail. It's best to have as much of this information as possible for every individual item in your house.įor example, when listing your bathroom items, you'd include "Dyson Supersonic hair dryer - $430 - purchased in January 2022" along with a receipt and photo. The more information about the item, the better your insurance company can accurately assess your losses - which means more money for you. In some cases, even storage units outside of our property count. If it’s on your property, there’s a good chance you should include it. Include the items in your closets, garage, attic, outbuildings, and storage sheds, too.
Locations to Coverĭon’t stop at your usual living areas. If there are also important things like an antique clock you inherited, one-of-a-kind decor, collectibles, or designer clothing, make sure to get as much detail of those items as you can. That means things that may sound tedious to record, like small decor items or the exact number of jeans you own. The bottom line is that you should catalog everything, not just the most important stuff or recent purchases. Sources: Statista, ForRent, Credit Donkey, Circle Furniture, Cnet Items to Record You might be surprised about how things add up, so it’s better to include as much as you can. We also suggest recording anything with any value.Īlthough each book on your shelf may only hold a few dollars of value, collectively, they account for a larger sum than you’d think. Secondary to filing a claim with your insurance, having an accurate and complete home inventory helps you file losses on your tax returns so you can get the refund you deserve.Įven if you never lose any of your property, doing a complete home inventory ahead of time ensures your personal property insurance coverage is enough.ĭo you need to include absolutely everything on your home inventory? Only the things that you ever want to keep.
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Plus, recording details like serial numbers and brands is nearly impossible after the fact. That can be the last task you want to do while you’re dealing with all the repercussions of an already hectic situation like a robbery or natural disaster. To make sure you’re getting reimbursed the correct amount, you’ll need to provide a list of everything that was lost - with as much detail as possible - to complete your insurance claim with your insurance agent. The main reason it’s important to have a complete inventory of your home is in case you lose property in a situation covered by your insurance. Why It’s Important To Do a Home Inventory
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