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Home Inventory and Contents Tips

Below you will find important tips on how to create an inventory of your home contents.

1. Be sure your homeowner’s insurance policy contains a Replacement Cost Endorsement for your contents. It only costs a few extra dollars per year and is well worth it.

2. Prepare a home inventory list now – before you have any loss. Include a description of the item, its age, replacement cost, where purchased, and if the item was a gift, indicate when you obtained it.

3. Videotape your house or use photos to document your items. Go room by room. Be sure to open drawers and doors to closets. Store the video or pictures at an offsite location like your office or save to an electronic back-up system.

4. You can use seasonal catalogs to help remember various holiday items that you had stored and not recently used.

5. Enlist the aid of your children and have each of them perform an inventory of their own items.

6. Update your inventory annually. A good time of year to do so is around the Christmas Holliday as that is when you have probably added the most to your contents.

7. If you received a real estate appraisal when you bought your home, make a copy and keep it with your contents inventory information. An appraisal should contain a floorplan as well as descriptions of flooring, roofing, walls, countertops and other items attached to your home. This is critical information the adjuster will need.

8. If you have a loss, keep in mind that the insurance company will apply depreciation to each item based upon the age of the item. The depreciation will reduce the amount of money they will pay you until those items are actually replaced. Once replaced, you will need to provide receipts proving you spent the replacement cost amount for the items.

9. If you do suffer a loss of contents, start making a list of damaged items as soon as possible. You can go back later to search for prices and add descriptions and ages. It is easy to forget as time goes by.

10. How to do a Home Insurance Inventory using your Camcorder or Digital Camera


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