Essential Home Inventory Checklist

In the event of a fire or theft, the burden of proof lies with the policyholder. Trying to remember every item in your closet while dealing with a traumatic loss is nearly impossible. ### How to Create an Effective Inventory - **Go Room by Room**: Start with the high-value areas like the living room and kitchen. - **Capture Evidence**: Use your smartphone to take a video walkthrough of every drawer and shelf. - **Record Specifics**: Note serial numbers for electronics and keep digital copies of receipts for items over $500. - **Store Off-Site**: Keep your inventory on a cloud service or email it to yourself. A physical list kept inside the home is useless if the home is destroyed. An accurate inventory ensures you receive the full replacement cost value (RCV) rather than a depreciated estimate of your belongings.