How to Create a Home Inventory

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.
     
     
    

5. Organize your list.

   • Group together less valuable items into one entry, such as decorative items, sporting goods, kitchen goods, etc.
   • For individual items, list quantity, maker, artist and value, if known. Include the image ID associated with that item.
   • Reference any invoices or receipts you have kept, to document detailed information such as purchase price or value.
   • If you don’t have time to create a spreadsheet or would like the capability to attach invoices, etc. to your inventory, try using an inventory app or home management software, such as HomeZada.
     
     

6. Keep your inventory in a safe place.

   Store your home inventory in more than one location outside your home, such as an electronic back-up, office, or with a family member.

For referrals to professionals who can assist with a home inventory, contact your independent agent or broker.