Imagine losing your belongings in a fire, theft, or natural disaster—could you remember everything you own and its value? Most people can’t, which is why having a home inventory is essential for filing an insurance claim quickly and getting the right reimbursement.
At Aspire Insurance Group, we believe in modern protection with timeless care, helping homeowners prepare for the unexpected with a detailed home inventory.
Why Do You Need a Home Inventory?
A home inventory makes insurance claims easier and ensures you remember all your belongings so that you can be reimbursed for lost or damaged items.
✔️ Accurate Claim Payouts – Helps your insurer determine the true value of lost or damaged belongings.
✔️ Faster Claims Processing – Having a list speeds up reimbursement after a disaster or theft.
✔️ Proof of Ownership – Without records, it may be hard to prove what you owned.
✔️ Avoid Being Underinsured – Helps ensure your personal property coverage matches what you own.
Step-by-Step Guide to Creating a Home Inventory
1. Start Room by Room 🏠
✔️ Go through each room in your house, including the basement, attic, and garage.
✔️ List major items first (furniture, electronics, appliances).
✔️ Include smaller valuables like jewelry, collectibles, and tools.
💡 Tip: Use your smartphone’s camera or video recorder to capture everything quickly.
2. List Key Details for Each Item 📋
For every major item, note the following:
✔️ Item Name & Description – Example: “Samsung 65” Smart TV”
✔️ Brand & Model – If available, list the model number and serial number.
✔️ Purchase Date & Price – Estimate if unsure (old receipts help).
✔️ Condition – Note any existing wear, damage, or modifications.
💡 Tip: Keep receipts, warranty information, and appraisals for high-value items.
3. Take Photos & Videos 📸🎥
A picture is worth a thousand words, and videos are even better!
✔️ Photograph each item, including close-ups of serial numbers, price tags, and receipts.
✔️ Walk through your home with a video, narrating details like brand names and purchase years.
✔️ Store photos and videos digitally (Google Drive, iCloud, or an external hard drive).
💡 Tip: Update your home inventory photos annually to reflect any new purchases or changes.
4. Use a Home Inventory App 📲
If you prefer digital tracking, consider using a home inventory app. Some popular options include:
✔️ Encircle – Lets you take photos and add details for each item.
✔️ Sortly – Helps organize items with photos and value tracking.
✔️ BluePlum Home Inventory – Ideal for detailed room-by-room documentation.
💡 Tip: Some insurance companies offer free inventory templates—check with Aspire Insurance Group for recommendations.
5. Keep Your Inventory Safe & Updated 💾
Store copies in multiple places – Keep a copy offsite in case of fire or damage (cloud storage, email, or a safety deposit box).
✔️ Update regularly – Add new purchases, gifts, and upgrades to avoid coverage gaps.
✔️ Review your coverage – Ensure your personal property insurance matches your inventory’s total value.
💡 Tip: Set a yearly reminder to review and update your home inventory.
What to Do If You Need to File a Claim
If you experience a fire, theft, or natural disaster, follow these steps:
1️⃣ Contact Aspire Insurance Group Immediately – The sooner you start your claim, the faster you get reimbursed. All claims should go through Aspire as we have a claims escalation process should you need additional help with your claim.
2️⃣ Use Your Home Inventory – Provide your list, photos, and receipts for quicker processing.
3️⃣ Document Additional Damage – Take photos of damage to your home and belongings.
4️⃣ Keep Receipts for Temporary Living Costs – If you’re displaced, track hotel, food, and rental expenses for reimbursement.
💡 Tip: Having a detailed home inventory can significantly speed up claim approval and ensure you receive full compensation.
Is Your Home Properly Insured? Let’s Find Out!
A home inventory is only useful if your coverage is up to date. Many homeowners underestimate the value of their belongings, leaving them underinsured when disaster strikes.
📞 Call Aspire Insurance Group today at 715-781-8217 for a free home insurance review!
At Aspire, we help homeowners stay prepared, protect their assets, and get peace of mind—because when the unexpected happens, the right coverage makes all the difference.