![]() ![]() CR does not endorse products or services, and does not accept advertising. (If you'd rather write down your inventory, download and use this worksheet from NYCM Insurance Co., and store it as you would your thumb drive.)Ĭonsumer Reports is an independent, nonprofit organization that works side by side with consumers to create a fairer, safer, and healthier world. It allows you to store photos and videos, and to make notes about your property-such as the date you got it and what it cost. Encircle, for example, is designed for insurance adjusters but includes a free home inventory function for homeowners. You also could use a paid or free home inventory app. Allstate's mobile app, for instance, includes a "Digital Locker" home inventory function it’s available for Android and iOS. Your insurer may offer a home inventory tool. Store the images and video for your home inventory on a cloud service, such as iCloud or OneDrive, or put it on a thumb drive and stash it in a safe deposit box or fireproof safe. If you’re including a paper copy, consider using a home inventory form, such as this one from Allstate. Story continues Options for Storing the Information To make your home inventory, go room by room and detail all the belongings therein. An insurance adjuster is likely to create a “bulk estimate” of those things-for example, $200 for everything in your utility closet, insurers told us. But don’t sweat the small stuff too much. ![]() Open cabinets, drawers, closets, and boxes and do the same for smaller items. (Photograph receipts if you have them.) Capture serial numbers and brand names when possible so that the insurer can replace what you had with exact or similar items. Using your smartphone’s video feature, sweep the camera around a room, narrating a description of items you’re filming and-if you remember-what you paid. To start, focus first on the big and valuable: major appliances, jewelry, furniture, rugs, electronics, and art or collectibles. It will provide you with a detailed report of the contents and. You should take steps to make sure your coverage will truly be effective should the contents of your home and especially your most valued and important. It can even be as simple as standing in the middle of each room and taking a 360-degree video, and emailing it to yourself or uploading to the cloud. A home inventory is a personalized assessment of your home and all contents and valuables, including a description of each item manufacturer, model, and serial number copies of receipts and other forms of ownership documentation such as digital photo and video. Your efforts should be focused on getting life back to normal quickly. How to Get StartedĬreating a home inventory doesn’t have to be difficult. After a disaster, you’ll want to have as much peace of mind as possible. “Homeowners who set aside time to complete a home inventory have a much easier time documenting their losses and filing a claim, if and when they have to do so,” says Michael Barry, a spokesperson at the industry-sponsored Insurance Information Institute, based in New York City.
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