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Home inventory: How to create one.

A home inventory lists everything you own, with each item's value.

Imagine needing to list every possession in your home or apartment, along with each item's worth after your belongings have been stolen or destroyed in a fire or natural disaster. Your homeowners or renters insurance policy is up for renewal and you want to help ensure your stuff is covered? That task may seem impossible so it is best to make the list before you need it. Below we've answered your basic questions on why and how you should create a digital home inventory.

Why do I need an inventory of my home or apartment?

A home inventory can be used to help you make coverage decisions. It also can simplify filing an insurance claim in the case of lost or damaged possessions, help secure a settlement, and prove useful when verifying property loss for taxes.

Meet Mary Knapp, survivor of the Jesusita Fire of 2009 in Santa Barbara, CA, and Irene Henry, her State Farm® agent


Video Transcript

How do I create a home inventory? 

According to the Insurance Information Institute, you can start creating a home inventory by following these steps:
  • Record possessions as you pack to move into a new place.  When moving to a new apartment or home , take a couple of extra minutes to record the belongings in each room. 
  • Pick one area at a time to record.  You can start with a hall closet or small kitchen cabinet. Then, after capturing your belongings in that room, move on to the next.
  • Record each item as you redecorate. Whether you are redecorating your apartment or a room, note each purchase you make and save the receipts. It will give you a jump start on your home inventory. 
  • Record recent purchases. Get into the habit of recording new purchases. Then, as necessary, go back and record your older, undocumented possessions. Along with the record, be sure to store sales receipts and appraisals (including the appraiser’s name and address) to help verify the value of each item.
  • Record important information. Provide a general description, where you bought it, the make and model, and what you paid for the item. Include the serial number if the item has one.
  • Record the number of each clothing type. List, for example, "five pairs of jeans, three pairs of sneakers…" Make note of items that are especially valuable.
  • Include stored items as well. Things kept in your basement, attic, garage and other detached structures may not be at the top of your mind; however, you should record those items as well. If you have items in a self-storage unit, make sure to include them as they are usually covered under your home insurance policy.
  • Use technology to create your digital home inventory. 
    • Take pictures. Capture important individual items as well as entire rooms, closets or drawers. Label your photos with what's pictured, where you bought it, the make or model, and the serial number.
    • Take video. Walk through your house or apartment recording and describing the contents. For example, you might describe the contents of a kitchen cabinet: "Poppies on Blue by Lenox, service for 12 that includes a dinner plate, salad plate, bowl, cup and saucer, purchased in 2015."
    • Use an app. There are many mobile app options that can help you create and store a room-by-room record of your belongings.

Finally, store your home or apartment inventory in a fireproof safe, safety deposit box or digitally in the cloud. You can even email your inventory to your insurance agent. This has the added value of allowing your inventory to be examined by your agent to see if you need extra home or renters coverage or adding a Personal Articles Insurances policy.

State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.

The information in this article was obtained from various sources not associated with State Farm®. While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. These suggestions are not a complete list of every loss control measure. The information is not intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. Nor is it intended to effect coverage under our policy. State Farm makes no guarantees of results from use of this information.

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