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The best home inventories include photos, descriptions and dollar values of each of your belongings. The more detail, the better! It'll help you provide a comprehensive list to your agent of items lost in the event your home is damaged or destroyed, allowing you to get the most out of your coverage.
Inventory insurance covers you against damage to your inventory, usually including electronics and computers. These insurances cover you, for example, in the event of fire, water damage, vandalism, or theft.
Remember to include all high-valued items like antiques, collectibles, silverware and jewelry. Electronics are a key part of any personal property inventory. TVs, cameras and personal computers should be included, as well as clothing, DVDs, furniture and items inside china cabinets and storage bins.
Look into home inventory apps or use a tool like Google Sheets to record your possessions. Take pictures of items for easy documentation. You can also record videos and narrate the important details of your belongings. Store your digital record in a cloud in case your personal property gets destroyed or stolen.
A home inventory is an itemized list of all your possessions meant to help you select the right amount of personal property coverage and potentially speed up a claim on your home, condo, or renters policy. Many insurance companies recommend creating a home inventory, so you have an updated record of everything you own.