Toll Free (866) 885-9785

Home Inventory: Why & How to Document

None of us want to think about what would happen if we lost everything in a disaster such as a house fire, pipe burst or severe storm. Insurance gives us some peace of mind and the promise that our loss has coverage. Having an insurance policy is only one step in the process of making sure that your belongings will be put back in order after a devastating loss.

Do you know how much your belongings are worth? If you lost everything, would you know what to replace? If your answer to these questions is, “No,” it is time to put together a home inventory of your belongings.

Why and how to document a Home Inventory.

Why You Need a Home Inventory

As the name would suggest, a home inventory is a list of your home’s contents (Contents is the area of your insurance policy that covers your belongings). It does not need to be accurate down to the last sock or paperclip, but it should represent all of the valuables that you own as well as the contents of expensive collections or personal libraries.

The primary purpose of your home inventory is to provide a thorough list to your insurance company in the event of a loss so that you receive an accurate refund. It also helps you understand the worth of your property so that you can select the appropriate insurance coverage. Home inventories are also helpful for managing a loved one’s estate.

What Should a Home Inventory Include?

When putting together an inventory, there are several pieces of information to include:

  • A comprehensive list of your valuable contents, including jewelry, electronics, and collectibles (don’t forget your outdoor items).
  • Serial numbers for all electronic devices.
  • Appraisal information for any antiques or other valuables that you have had appraised.
  • Receipts for large-ticket items.
  • Photographs or video of your items and collections.

Once you have gathered this information, take the time to tally up its general value. The actual value of your home’s contents will vary over time due to depreciation, but having this figure as a baseline will prove very helpful if you ever need to file a claim.

Building Your Home Inventory

Listing every item that you own can be a daunting task, but, fortunately, there are some tools that will make it easier to stay organized. Your insurance company may offer a Web app for this purpose; check the company’s website to find out. If so, you should be able to sync your list with the insurer’s servers, streamlining the claims process.

If your insurance company does not have a Web app, there are still numerous home inventory apps and computer programs available, and many of them are free:

Why and how to document a Home Inventory.

You do not need to build your inventory all at once. Chip away at it over a few sittings until you have added all of your contents, and be sure to add new purchases as you buy them.

Once you create your inventory, it is a good idea to store a physical copy somewhere secure, like a fire-proof safe, as well as keeping a digital copy. Ideally, you will want to save it to a cloud-based service like Dropbox so that you can access it from anywhere at any time.

Help be more prepared for disasters by reviewing ALE Solutions’ temporary housing options.

Photo credits: ©, Jarin13



Leave a Reply

Your email address will not be published.

  • MyALE

    Claims Portal

    • Personalize a dashboard
    • Manage in real-time
    • Access on all devices
    • Request or extend temporary housing with one click

    Learn More

  • Join Our Facebook Fan Page Check Us Out On Instagram Follow Us On Google+ Follow Us On LinkedIn Follow Us On Twitter View Our YouTube

  • Weather Safety

  • Instagram
    • Gainesville FL  ALECares provided transportation and hotel accommodations tohellip
      3 weeks ago by alesolutions Gainesville, FL – ALECares provided transportation and hotel accommodations to 18 year old Drew Hazlett, the newest family member of Tim Tebow Foundation’s W15H program! With knowing that Drew was the ULTIMATE Gator’s fan, we knew we had to do everything possible to get him and his family to stay in downtown Gainesville. It was both a game weekend AND homecoming weekend for UF! And Drew got to experience all of the fun and excitement at the center of it all. We surprised Drew with a basket of his favorite snacks and treats, and we loved getting to watch his…
    • Veterans and active duty members we salute you Thank youhellip
      1 week ago by alesolutions Veterans and active duty members, we salute you. Thank you for serving our country and protecting our freedom!  #VeteransDay 
    • Trick or Treat! ALE wishes you a very HappyHalloween! Forhellip
      3 weeks ago by alesolutions Trick or Treat! ALE wishes you a very  #HappyHalloween ! For tips and reminders on fall holiday safety, visit:
    • HAPPY HALLOWEEN ALE STYLE!!! Halloween2017 TeamALE ILoveMyJob ALESolutions
      3 weeks ago by alesolutions HAPPY HALLOWEEN ALE STYLE!!!  #Halloween2017   #TeamALE   #ILoveMyJob   #ALESolutions 
    • ALECares was honored to work with timtebowfoundation to help makehellip
      6 days ago by alesolutions ALECares was honored to work with  @timtebowfoundation  to help make Keiwond's  #W15H  come true!!
Get fresh, free content delivered monthly »
About Us  |  Contact Us  |  Legal / Privacy  |  Sitemap