How to Create a Home Inventory for Insurance Claims

by Carrie Skogsberg

Why should you complete a home inventory?

Have you ever moved? During the awesome (sarcasm) packing stage, have you ever said to yourself, “Wow, I forgot we had that!”

Now think about this. If something were to happen to your home and the belongings inside of it were destroyed, could you list every item you own? If you don’t think you could do it on a regular day, you probably won’t be able to do it under extreme stress after a natural disaster or fire strikes.

That’s why having a home inventory for insurance on file (or even saved in your email) is so important. A home inventory list or video can save you time and headaches when going through the home insurance claim process. 

It may seem like an overwhelming task to list out every item you own, accompanied by serial numbers, purchase costs, how much the item is worth today, pictures, and so on. 

Guess what? Taking a home inventory can be so much easier than that because creating a video is more acceptable, and it can take less than 10 minutes!

How to make a home inventory video

Use narration

You might feel silly talking over your video, but it’s so helpful. While you’re recording, be sure to describe what we’re looking at. Maybe it’s something that’s been in your family for four generations – say that in the video! The more detailed you are during your video shoot, the better.

Inventory all of your stuff

This might seem obvious, but you need to capture everything you own. Sounds overwhelming, but if you take it a room at a time, you’ll be done in no time. Feel free to break up the videos and create one for each room if that’s easier. Don’t forget places like your garage, attic or shed, if you have them.

Include serial numbers

For bigger ticket items, like electronics, point the camera at the make, model and serial numbers and narrate that information over the video as you record. This will help ensure you’re reimbursed for the same product (or for one of equal value).

Where to save your home inventory video(s)

Save the video in your email (and in someone else’s email) so you can access it if your computer is destroyed. It’s also a good idea to send it to your insurance agent to save on file. Don't want to create a video? Use our home inventory list instead. 

Check on your home insurance coverage

It’s important to check in with your insurance agent annually to make sure your home and personal property are covered in case you have to file a home insurance claim. If you made significant repairs or upgrades to your home or had a major purchase, your coverage needs may have changed.  

Learn more or get a home insurance quote. 

Updated 3-9-23