Last Updated: July 31, 2023
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Personal Property Home Inventory
If your home was damaged by a fire or a burglar stole your valuables, would you be able to give your insurance company a complete list of all the items damaged, destroyed, or stolen? Having an up-to-date personal property home inventory will help.
Like many people, you may own much more than you realize. Your furniture, appliances, clothing, sports/hobby equipment, and electronics are all regarded as personal property. After a loss, too many people find out they should have increased their
coverage amounts or purchased
replacement cost coverage.
Note: Your homeowners insurance policy covers valuable items such as jewelry, furs, art and antiques, only up to set dollar amounts, which might not be enough for your situation. If the cost of replacing them exceeds these limits, you may want to purchase Scheduled Personal Property Coverage. Discuss with your insurance agent or company what is most appropriate for your personal property coverage needs.
Home inventory tips:
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List every item of value in your house.
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Make sure to copy serial numbers of your personal items.
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Keep all receipts along with a description of the items.
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Keep a detailed record of antiques, jewelry, major appliances, and collector’s items.
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Continuously update your home inventory as you acquire new items.
Taking the time to record your personal property in this home inventory will save you time, money and frustration should a property loss occur. You may want to include a video or photographs of your inventory.
Keep a copy of your home inventory in a safety deposit box, a fireproof container, or give copies to a trusted family member who does not live in your home.
Record your property on this
home inventory form or download the free NAIC Home Inventory App to create a record of your belongings.