How to create a home inventory

Could you recall every valuable item you have, if your home was damaged or destroyed? Most of us couldn’t. That’s why a complete home inventory is so important, not only to you, but to your insurance company as well.

Here’s why it’s worth going to the trouble of documenting every valuable item in your home:
 

• You’ll know what you have and if your insurance coverage will cover you completely in the event of a loss
• If you experience a loss, the claims process will be faster and easier
• You may need it for estate planning purposes
• It can help you keep track of valuables if you move or store things outside your home
• A home inventory can provide peace of mind
   

To put together a home inventory yourself, follow these simple steps:

1. Use a camera or your phone to take pictures.

2. Photograph one room at a time.

Take multiple shots from different angles, documenting the contents and how they are set up. Four to six images per room should be sufficient.

3. Photograph any high-value items, collectibles, or extremely unique pieces individually.

Remember to look in drawers, closets, attics, or basements for valuables – and don’t forget handbags.

4. Consider these tips when taking pictures of special items:
 

• Artwork – Take pictures of the artwork from multiple angles to avoid potential glare from head-on shots. Record the artist’s signature, medium, title, date and edition number if applicable.
• Jewelry –Take close-ups of jewelry in good, natural light using a macro lens.
• Silver and china – Document one full place setting and capture the marking or hallmark, if possible.
• Valuable rugs –Take pictures of the front and back of the rug to verify how it is made.
• Electronics and appliances –Take pictures of the pieces as well as their serial or model numbers.