How to Inventory Personal Property for Insurance Claims: A Step-by-Step Guide

Choose Your Inventory Method

Pick your preferred format:

• Written Inventory: List everything, including descriptions, purchase dates and values.​

• Digital Inventory: Use spreadsheet software or home inventory apps to catalog your stuff. Apps like Itemtopia and Sortly make this easy. ​Edison Insurance+1NerdWallet: Finance smarter+1

• Visual Record: Take photos or videos of each room, focusing on individual items and serial numbers. This provides visual proof of your belongings. ​NerdWallet: Finance smarter

Document Each Room Systematically

One room at a time to be thorough:

• Item Details: For each item, note the description, manufacturer, model, serial number, purchase date and original cost.​

• Photographic Evidence: Take clear photos or videos, multiple angles and any distinguishing features.​

• Receipts and Appraisals: Attach purchase receipts, warranties and appraisals for high value items.​

Don’t Forget the Hidden Stuff

Don’t overlook items in closets, attics, basements or off-site storage units. Document everyday items like clothing, kitchenware and linens, their value can add up. A room by room approach will ensure nothing is missed.

Store Your Inventory Safely

Keep copies in multiple safe locations:

• Digital Backups: Store files on external hard drives, cloud storage or email to yourself.​

• Physical Copies: Print and store in fireproof safes or safety deposit boxes.​NerdWallet: Finance smarter+2Morse Insurance Agency, Inc.+2United Policyholders+2

Make sure at least one copy is off-site in case something happens to your home. Update your inventory at least annually or whenever you acquire or dispose of significant items to keep your records current.