So – let’s see how to create one: Step 1 – List Everything
The best idea is to keep it as simple as possible, because otherwise you’ll procrastinate about doing it and never end up getting it finished. How Do I Make A Home Inventory?įirstly, a home inventory doesn’t have to be complicated – even though it sounds quite formal and time consuming to make. You will also know whether there are specific items that need specific insurance – which can be invaluable should you need to make a claim because you know you’ll be properly insured. If you know what you have, and the value it has – then you can not only make the right insurance claim, but you can also insure for the right amount of money.īecause, when you compare home insurance, you can get the right quotes and therefore adequate coverage by knowing the level of insurance you need. Why Is A Home Inventory Crucial For Insurance Purposes? Not able to see a professional? Another easy way to measure current value is to look at what similar things have sold for online in places such as eBay or other second hand sales places. That way you can be sure that you also have adequate insurance coverage (another thing that makes an inventory a crucial item to have for any homeowner). However, if you’re in doubt, get your stuff valued by a professional. Other items may not be valuable alone, but in a collection or group they can start to become more pricey to replace (i.e. Some of your personal belongings may have cost you a lot, and therefore you will have the receipt and/or know that you should include it. …the list really is endless! How Do I Decide What’s Valuable? Any valuable item / big ticket item not listed here – items for your specific lifestyle / hobbies etc….Attic / Garage contents (theres usually loads in these spaces!).Kitchen gadgets (especially things like blenders and high priced items).Here’s a quick list of things that you may want to include:. It’s a detailed record of your personal property, that includes details of codes, purchase price, valuation, identifying marks etc… What Should You Include In Your Household Inventory?Įxactly what you list out is up to you, and it could be anything from absolutely EVERYTHING, or (more commonly) it’s a list of your more expensive possessions and such as cameras, jewellery, electrical etc… Much like insurance really!Ī home inventory is, in its simplest of forms, a comprehensive list of all the belongings in your house. It’s the thing that you hope you’ll never need, but will be invaluable if you do. Surely it’s better to be prepared than to regret it if the worst happens, and that’s where a home inventory comes in so handy. So – why add to your stress levels when you can spend a little time now preparing for the worst?
I would also wager that should any of these events happen, the last thing you want to add to your plate is to have to think hard about what you own(ed) for insurance purposes? It could be a fire, a flood, or a whole number of other ways that your items could be ruined. You really DO need this information when putting in an insurance claim, or describing what’s been stolen to the police (for recovery purposes).Īnd it’s not just burglary that having a list of your stuff comes in handy:
My home inventory tv#
Not only that – but even if you know you own a TV – can you remember what brand it is, what it cost, when you bought it etc….? Now – most people can think of quite a lot of what they own, but it’s all too easy to forget a few things. The stress levels are high, the emotions are everywhere – and the police/insurance company are asking you exactly what’s missing. You come home from holiday only to find you’ve been broken into.
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