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Emphasizes understanding what insurance policies cover, including cash value versus replacement cost, and the potential role of riders for high-value items. 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Use photos or video, or home inventory software, and make sure each item’s brand, model number, and value are described and recorded.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},348726,1791584298,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":47,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":73},962085564549,"https://ap-avatar.wpscdn.com/davatar_085a072bc5b1113ac321206ff7593b45","HOME INVENTORY CHECKLIST   \nQUICK – CLOSE YOUR EYES AND DESCRIBE EVERY OBJECT IN  \nYOUR HOME. HAVING TROUBLE?  \nThis is what you will be asked to do by an insurance adjuster should your home ever be damaged by a house fire, flood, windstorm, or other unforeseen disaster. It pays-literally-to keep track of your possessions and their monetary values ahead of time. Having a home inventory prepared in advance ensures that you receive fair compensation as quickly as possible after a disaster.  \nDO YOU KNOW WHAT YOUR POSSESSIONS ARE WORTH?  \nA 2012 survey by the National Association of Insurance Commissioners (NAIC) found that over half of U.S. consumers did not have a list of their possessions. Worse, many homeowners were paid a settlement of far less than their possessions were actually worth because they could not remember the exact items or value of items in their home after the fact. What to do to prepare  \nKNOW WHAT YOUR INSURANCE POLICY COVERS  \nMany people believe their homeowners insurance will cover them in the event of a flood, but it will not. Renters should also look into the possibility of renters insurance if they do not yet have it. Know whether your policy insures for actual cash value –replacement or repair cost minus depreciation – or replacement cost –the cost with no depreciated deducted. Consider adding a rider to your policy to protect particularly valuable items, art, jewelry, or heirlooms.  \nTAKE INVENTORY  \nBe thorough and organized when taking inventory. Some find that taking photos is handy, or that it is simpler to shoot a video –pausing to focus on each item while describing the brand, model number, and value aloud. Others use home inventory software programs, such as [the free myHOME Scr.APP.book](the free myHOME Scr.APP.book)[ ](the free myHOME Scr.APP.book)[web and phone app available from NAIC. When](web and phone app available from NAIC. When)[ ](web and phone app available from NAIC. When)creating your inventory, do not overlook small or hidden items that will add up to significant chunks of money – clothing, holiday decorations, carpeting and built-in furniture for examples.  \nGet started now by filling out the checklist below. Use as many sheets as you need for the number of rooms in your home. When you’re finished, keep at least one copy of the completed list outside of your home, such as at your office, a family member’s house, or a safe deposit box. Keep receipts and photographs whenever possible and update the list annually and with additional major purchases.  \nYOUR INVENTORY  \n\n| Living Room (furniture: e.g. sofas, bookshevles, tables) |  |  |  |\n| --- | --- | --- | --- |\n| Item | Price | Purchased | Make/Model |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n| Electroncis (e.g. television, stereo, speakers) |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n| Room Decor ([e.g. art](e.g. art), carpeting, lighting, blinds and curtains) |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n| Miscellaneous (e.g. other small items) |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n\n\n| Laundry/Utility/Storage Room (furniture: e.g. table, shelving, storage units, floor and lighting) |  |  |  |\n| --- | --- | --- | --- |\n| Item | Price | Purchased | Make/Model |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n| Appliances (e.g. washer and dryer, sink basin, vacuum cleaner) |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n| Miscellaneous ([e.g. cleaning](e.g. cleaning) supplies, containers, packaway) |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n|  |  |  |  |\n\n\n| Bedroom (furniture: e.g. mattress","cbCaimNvgZ8w0o9T","https://ap.wps.com/l/cbCaimNvgZ8w0o9T","pdf",71649,"English","# Home Inventory Checklist\n## Describe and prepare before a disaster\n## Know what your possessions are worth\n## Understand what your insurance policy covers\n## Take inventory and record details\n## Your inventory by room","[{\"question\":\"Why create a home inventory checklist before a disaster?\",\"answer\":\"It helps you track possessions and monetary values in advance so an insurance adjuster can assess losses fairly and quickly after events like fire or flooding.\"},{\"question\":\"What insurance policy coverage details should you check?\",\"answer\":\"Confirm whether your policy insures actual cash value (replacement or repair minus depreciation) or replacement cost (with no depreciated deduction), and consider whether a rider is needed for valuable items.\"},{\"question\":\"How should you take inventory and record item information?\",\"answer\":\"Be thorough and organized. Use photos or video, or home inventory software, and make sure each item’s brand, model number, and value are described and recorded.\"}]","HOME INVENTORY CHECKLIST - Fill Out for Fair Insurance Compensation | PDF",1790077450]