The inventory should include a description of each item (including make, model and serial number), the value of the item, and its approximate purchase date. If you have the list, then it will alleviate some stress during a challenging time. When you file an insurance claim, you need to know which of your possessions are missing or damaged, as well as the value of those items. Particularly after Christmas or a birthday, you may suddenly need a higher contents coverage limit.īefore beginning your inventory, let’s start with the basics: What is a home inventory checklist?Ī home inventory list is a written or photo record of all of the items you own-especially those with a high dollar value-that you can use for insurance purposes in case of a fire, theft, or flood. As you collect more stuff, it’s important to make sure your coverage limits are keeping pace.
Your home inventory will detail the property that falls under contents coverage.Īfter you’ve completed your initial home inventory, you should revisit it every once in a while. This coverage protects the moveable stuff that you own, like furniture, clothing, electronics, and so forth. Whether you own or rent, your home insurance policy includes contents coverage. Your adjuster will be able to offer your settlement faster and more accurately if you can present a detailed breakdown of your damaged property. If you ever need to make a claim, a home inventory helps you figure out exactly what was lost or damaged. If you have a lot of specialty property, you’ll be much more organized with figuring out what it’s worth and whether you need it appraised. When you’ve got a catalogue of your stuff, you’ll find it very easy to figure out the limits and sublimits you’ll need to have on your home insurance policy. You’ll know exactly how much insurance you needĪny future insurance claims you make will be much simpler
There are two reasons that you’ll be happy to have a home inventory: Ultimately, it comes down to home insurance.
Phone: 605.773.3563 | For TTY services, call 711 | Fax: a detailed list of everything you own sounds like a painful task. View the video demo.ġ24 South Euclid Avenue, 2nd Floor - Pierre, SD 57501 The app creates a back-up file for email sharing.
MY HOME INVENTORY SERIAL NUMBERS
View the video demo.Īndroid® users - With the myHome home inventory app, you can quickly capture images, descriptions, and serial numbers of your possessions, then organize the information by room or by category.
MY HOME INVENTORY FREE
IPhone® users - The NAIC's free myHOME downloadable app lets you quickly photograph and capture descriptions of your possessions room by room, then store electronically for safekeeping. Consider sharing a copy with friends, relatives and your insurance provider. Store your home inventory and related documents in a safe, easily accessible place online, on your computer, in a fire-proof box or a safe deposit box. A room-by-room inventory of your home - along with photos and proof of ownership - will make it easier to fill an accurate, detailed insurance claim if your home is damaged or destroyed.Ī Home Inventory Checklist (Adobe PDF) provided by the National Association of Insurance Commissioners (NAIC) may be helpful in completing an inventory of your home. It is important to be prepared in the event there is damage to your home. Natural disasters can strike any where at any time.
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