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Window air conditioners and space heatersĭon’t forget the items stored in your garage, attic and sheds as well as items outside your house, like patio furniture and grills.Kitchen gear – food processors, blenders, toaster ovens, pots and pans.Appliances – dishwasher, washer, dryer, oven, microwave.What items do you include on a house inventory? It should include all the physical objects in and around the house, including, but definitely not limited to the following.

(BTW – watch just the first few minutes of this George Carlin skit about “stuff” in your house. These are the physical items located within your property boundary.

In its simplest form, a home inventory is defined as: 1) a list of all the physical belongings located within your home (aka your “stuff”).īut a more comprehensive inventory is defined as also including 2) the belongings’s associated paperwork (aka your “stuff’s” paperwork) and well as 3) other important paperwork stored in your home (aka random “stuff”).

Is there a way I can ensure that the insurance company will process my claim faster, for the right amount of money, and with less hassle?.

Is there a way to be prepared for these emergencies?.

Do you really want to leave money on the table?Īnd even if you had a rock-solid memory, do you really have the time and energy to make a list of all these lost items? After undergoing the gut-wrenching experience of losing your home, wouldn’t you rather spend time and energy caring for your family, such as finding temporary housing, and getting back to a normal life? Forgetting to list little items could potentially translates to losing a few thousands of dollars in your claim. When combined, these little items add up and could cost you a lower insurance payout. Sure you could describe the big stuff, but what about all the little things? These little things should be overlooked. So, if tragedy struck and you didn’t have an organized, written list of personal belongings, how would you handle reporting all these lost items to your insurance company? By memory? What does that mean? Before you receive any money from your insurance company to replace or restore the items in your home, you first need to prove to them that you actually owned these items. Insurance companies put the burden of proof on you, the homeowner, to show ownership of your belongings in order to get reimbursed fully and quickly. Why? Your insurance company will require that you describe exactly what needs to be replaced. How would you (or I) pick up the pieces and start over? Thankfully, you probably have homeowners insurance, but that doesn’t completely solve the problem.

How would you feel? Traumatized? Vulnerable? Not quite sure where to turn and what to do next? Luckily, it hasn’t happened to us, but I can imagine an overwhelming myriad of emotions. Or finding a window broken and your house broken into and everything stolen. Picture this: Imagine returning home from vacation and finding your house completely destroyed by fire or flood. Why You Need a Home Inventoryīefore we dive into what a home inventory is, let’s first start on why you need one in the first place. As such, I earn from qualifying purchases. This post contains Amazon and other company affiliate links. And I’ve discovered that one way to to protect my home and loved ones from financial disaster is through a home inventory. As a responsible homeowner (or at least I try to be….), I’m always on the look-out for the best and most efficient ways to protect my home from potential emergencies such as fires, natural disasters, and burglaries.