You’ll also want to consider the replacement cost of your possessions rather than their actual (possibly depreciated) cash value. The total will give you a good starting point. Taking a household inventory is the first step! When finished, add up the value of the items on your list. How much personal property insurance do I need? Sporting equipment (bicycles, firearms, skis, treadmill).Maintenance gear (lawn mowers, ladders, work benches).Furniture and household decor (drapes, lamps, mirrors, rugs).Electronics (TVs, stereos, computers, and accessories).Dishes, cutlery, silverware, and other utensils.Appliances (mixer, food processor, humidifier, vacuum cleaner).Your insurance home inventory should list all of your possessions. What should be on my home inventory list? Upload a digital copy of your household inventory to an email folder or cloud storage-someplace your list will be secure and still accessible after a disaster. (When using any app or any technology service, make sure you understand its privacy settings before getting started.) Some apps even let you scan barcodes that autofill product information-a real time-saver. Apps like Sortly, Nest Egg, and MyStuff allow you to capture and sort information about your belongings, including photos and serial numbers. Use a home inventory app to speed the process.Label the photos (print or digital images). Store them with your list, so you’ll have proof of value handy when you make a claim. Remember to list belongings tucked away in your attic, basement, or garage.Count and log your clothing by category: six pairs of jeans, four belts, 15 pairs of socks, etc. Note each item’s make, model, and serial number (check the back or bottom of appliances and electronics), as well as the place and date of purchase and the price you paid. Jot down key information about each item.Take the process one step at a time, using these tips: If the task seems overwhelming, start with a small, contained area, such as a sporting equipment closet or a kitchen cabinet, suggests the Insurance Information Institute. You may not realize how many belongings you’ve accumulated until you begin to document them. How do I create an insurance home inventory? A home inventory may one day save you time, reduce stress, and speed up the claims process. This can be difficult to do when you’re in the midst of a crisis. However, in order to make a claim, you’ll need to provide a detailed list of your belongings and their worth. After all, if the worst happens, your homeowners or renters insurance policy will help you recover your losses, right? Right. See our article 4 Things to Know About Creating a Home Inventory List to learn more.No one wants to think about losing their stuff to fire, theft, or some other catastrophe. A detailed list of your possessions and their locations, estimated value and price, can make it easier when filing a claim after a loss or disaster. You can print out and use the PDFs above to prepare a home inventory of your personal belongings. Here is a shortened example of what each PDF contains: Master Bedroom Home Inventory-Girl’s Accessories Clothing Home Inventory-Boy’s Accessories Clothing Home Inventory-Women’s Accessories Clothing Home Inventory-Men’s Accessories Clothing Look at the background of the picture - often much of the room has been captured. WHN TIP – But I Can’t Remember… Can’t remember what you had or where it was? Ask friends and family members who have been at your house for special celebrations, parties or holidays to send you pictures of those events.
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