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Now that you have visual documentation of your belongings, you’ll need to record a description of each item in your home inventory list. Other wardrobe items - estimated total value $300.” Step 4: Record each item’s description and information For instance, if you have one expensive jacket that you remember paying $1,000 for, and the rest of your clothes came from thrift stores, you can record something like “Leather jacket - $1000. It’s okay to lump similar items together. If you’re not sure, it’s fine to give a very rough estimate or just save that item for later.ĭocumenting everything you own can feel overwhelming - so take things one room at a time and go slowly. If you’re recording video, describe your belongings aloud, including approximately how much they’re worth. Remember to open all of your closets, drawers, and other compartments to show everything. Check to make sure the image isn’t blurry and the numbers are legible.
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If you’re taking photos, make sure to get a close-up of your items’ serial numbers. Next you need to take photos or videos of each room in your home. Step 3: Take pictures or videos of the items in your home If you’re using an app like Encircle, just browse their existing categories and use them to quickly sort your belongings. Write these categories on your printed template. This makes the inventory process easier and will prevent you from missing anything. If so, make a list of each room in your home. You might also want to organize your possessions by location. Once you have an inventory method, make a list with each type of item you own, like clothes, furniture, appliances, and jewelry. Step 2: Group your possessions into categories
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Some insurers offer free inventory services on their websites or through their own home inventory app. Ask your insurance provider to see if they can help you make a home inventory You can also make your own itemized list in a spreadsheet.
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If you’re more comfortable with pen and paper, you can download free home inventory templates from Pinterest,, or through Microsoft Office Templates. We recommend Encircle because it’s free and easy to use. You have a range of apps to choose from, including Sortly, Nest Egg, and BluePlum Home. Many allow you to take and upload pictures of each item when you record them. If you prefer to keep your list digital, you can download a home inventory app onto your smartphone.
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Make copies of your home inventory and other ownership documentsįirst, you’ll have to decide on a method:.Record each item’s description and information.There are five steps to taking inventory of your possessions: Wherever you can, add descriptions, photos, videos, and receipts to document your property in as much detail as possible. However, it’s best to be thorough, so take as much time as you need.Īt minimum, your home inventory should feature an organized list of your possessions. How do I create a home inventory?Ĭreating a home inventory usually shouldn’t take longer than an hour or two.
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It saves you the stress of estimating the value of everything you lost right after the disaster happens. Having a contents list that you can check makes the claims process faster and easier. You need to know what’s been damaged and how much it was worth for your insurer to properly reimburse you.
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Of course, having a home inventory also comes in handy when you file an insurance claim. Knowing the value of your property makes it easier to figure out how much coverage you need, which is one of the first questions your insurer will ask you when you buy a policy. Having a home inventory helps you do two things:Ī home inventory tells you how much your personal property is worth. What is a renters insurance home inventory for? You also shouldn’t include furniture or appliances that belong to your landlord, not to you. However, you shouldn’t include motor vehicles, because renters insurance doesn’t cover cars or motorcycles. Your home inventory should include almost everything you own, including items you’re borrowing and items stored off-premises, both of which are covered by renters insurance. In renters insurance, a home inventory, also known as a contents list, is a list of all of the personal possessions that your renters insurance policy will cover, along with each item’s approximate value.
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