Most homeowners can’t list what’s in their house from memory. At claim time, that costs them money. A home inventory changes that.
Add items room by room, see running totals, and export to CSV or print when you’re done. Your data saves automatically in your browser — come back anytime.
Launch the Tool →A clean, fillable PDF organized room by room. Print it, fill it out by hand, and store a copy somewhere safe — off-site or in cloud storage.
⇣ Download PDFWhen you file a claim for theft, fire, or a total loss, your insurer asks you to provide a detailed list of everything damaged or stolen — from memory, under stress, often within days. Most people can’t do it accurately. Items get forgotten, values get underestimated, and settlements come in lower than they should.
Insurers pay what you can document. Without a record, high-value items — jewelry, electronics, collectibles — are easy to miss or dispute.
Most people underestimate the total value of their belongings. An inventory often reveals the need for higher personal property limits or scheduled items.
A ready inventory cuts claim processing time dramatically. You’re not starting from scratch — you’re handing over a complete list.
Store a copy in cloud storage, email it to yourself, or keep it in a safe deposit box. It doesn’t help you if it’s lost in the same event as your belongings.
You don’t need to document every sock. Focus on anything that would cost real money to replace — especially items with serial numbers, receipts, or significant value.
Tom founded Options Insurance in 2014 and works with Minnesota homeowners and renters on coverage reviews. A home inventory is one of the first things he recommends — not because it’s required, but because it changes what clients recover when something goes wrong.