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Hard paperwork.
Clear next steps.

Start with a plain-English guide. If you want the checklists, trackers, and worksheets packaged into a reusable system, choose the kit — one payment, no subscription.

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Home inventory first

One home inventory. Four expensive moments it can make easier.

Build the record before you need it—or reconstruct it after a loss. Start with the free room-by-room guide, then use the workbook if you want the fields, checklists, and claim-evidence system ready to fill in.

Before a loss

Document each room while the details are visible

Capture the item, purchase details, serial number, replacement-cost estimate, photo or video, location, and coverage flag in one repeatable pass.

After fire or theft

Reconstruct what memory cannot reliably hold

Work from photo libraries, receipts, card statements, retailer histories, warranty records, and visitor photos instead of guessing from memory alone.

At policy review

Find sub-limit exposure before claim day

Flag jewelry, collectibles, electronics, and other high-value groups, then compare your totals with the special-limits table in your own policy.

After the first claim check

Match receipts to claim lines for the second-check review

If your policy withholds recoverable depreciation, keep each replacement receipt tied to the corresponding claim line and the deadline in your policy or insurer letter.

Room-by-room home inventory checklist

Walk through every space once. Record the expensive items first, then the ordinary belongings that are easiest to forget after a loss.

  • Entry and living areas

    Furniture, rugs, lamps, art, electronics, books, and window treatments

  • Kitchen and dining

    Major and small appliances, cookware, tableware, pantry contents, and dining furniture

  • Bedrooms and closets

    Furniture, clothing, shoes, jewelry, luggage, bedding, and personal electronics

  • Garage and storage

    Tools, lawn equipment, sports gear, bicycles, holiday items, and stored boxes

  • Office and hobby spaces

    Computers, monitors, cameras, instruments, supplies, and any business-owned property

  • Outside and detached spaces

    Patio furniture, grills, play equipment, shed contents, pool equipment, and outdoor tools

For each item: capture its name, brand or model, serial number, purchase date and cost, estimated replacement cost, photo or video, and receipt or appraisal location. Keep a backup somewhere you can reach if the property is inaccessible.

Prepared from consumer guidance by the NAIC. Coverage and documentation requirements vary by policy and insurer.

Free guide first · Kit optional · One-time purchase

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