Most homeowners are aware of the importance of having homeowners insurance to protect their homes and belongings. However, many do not keep an accurate and detailed home inventory list, leading to issues when filing a claim. Keeping a home inventory checklist is the best way to ensure the safety of your home. Making a home inventory list can seem daunting. Going room by room with a checklist and camera can help simplify the process. Having a family member or friend help can also make things easier.
Why Do You Need an Inventory Checklist?
Maintaining a home inventory checklist will make your homeowners insurance claims process go more smoothly. It will allow you to claim all the properties and belongings in your home in the event of an unforeseen disaster. Having an inventory list on file is the best way to ensure all damages are properly compensated. When possible, include serial numbers (when applicable), receipts, or any appraisals of items for proof of value. A yearly review should be done to verify that there have been no changes to your home inventory list and to avoid underinsurance. Use the following list as a template to prepare your home inventory checklist.
1. Living room
| Original Price | Year of Purchase | Model or Serial # | |
| Carpet or rugs
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| Sofas
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| Shelves
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| Coffee table
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| Entertainment center
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| Lamp | |||
| Wall clock
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| Fireplace fixture
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| Tables and chairs
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2. Bedroom
| Original Price | Year of Purchase | Model or Serial # | |
| Beds | |||
| Night tables | |||
| Beds linens | |||
| Jewelry | |||
| Dresser | |||
| Desk | |||
| Mirror
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| Clothes | |||
| Bedframe
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| Shoes
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| Lamp
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3. Dining room
| Original Price | Year of Purchase | Model or Serial # | |
| Table
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| Chairs | |||
| Silverware
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| Glassware | |||
| Tablecloths
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| Lamp | |||
| Curtains
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| Blinds |
4. Kitchen
| Original Price | Year of Purchase | Model or Serial # | |
| Cabinets
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| Pots
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| Pans
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| Small Appliances | |||
| Refrigerator | |||
| Stove | |||
| Microwave
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| Dishwasher
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| Glassware
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| Dishware
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| Flatware
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| Table
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| Chair |
5. Bathroom
| Original Price | Year of Purchase | Model or Serial # | |
| Mirror | |||
| Clothes hamper | |||
| Bath towels
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| Medicine cabinet content
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| Hairdryers | |||
| Electric shaver
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| Chests |
6. Laundry
| Original Price | Year of Purchase | Model or Serial # | |
| Washer | |||
| Dryer | |||
| Steamer | |||
| Vacuum cleaner | |||
| Iron | |||
| Electric appliances |
7. Electronics
| Original Price | Year of Purchase | Model or Serial # | |
| Television | |||
| Camera
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| Video equipment
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| Computer
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| Printers (computer accessories)
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| Keyboard | |||
| Central processing unit | |||
| Stereo system | |||
| DVD players
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| Telephone
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| Mobile phone
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| Video game system
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| Tablet (iPad, Kindle, etc.)
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8. Family room and offices
| Original Price | Year of Purchase | Model or Serial # | |
| Sofas
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| Table
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| Chairs | |||
| Bookcase
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| File cabinet | |||
| Media center
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| Desk and contents
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| Curtains
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| Blinds
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| Light fixtures
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9. Garage and outdoors
| Original Price | Year of Purchase | Model or Serial # | |
| Tools for gardening
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| Ladders
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| Workbench | |||
| Grill
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| Storage equipment
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| Lawn furniture
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| Lawnmower
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| Sporting equipment
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Having a worksheet for all your home belongings, regardless of how small they are, might prevent you from running at a loss whenever something unfortunate happens to your home. It’s also important to keep a record of all important documents such as diplomas, social security cards, birth certificates, employment records, marriage or divorce certificates.
If you need more information about homeowners insurance, contact the experts at Advanced Insurance Group. We are ready to help you with all your coverage needs.
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