How to create a home contents inventory

Could you recall every valuable item you have, if your home was damaged, destroyed or subject to a burglary? Most of us couldn’t. That’s why a complete home inventory is so important, not only to you, but to your insurance company as well.

Reasons why its worth taking the time to document every valuable item:

• You’ll know what you have and if your insurance coverage will cover you completely in the event of a loss
• If you experience a loss, the claims process will be faster and easier
• You may need it for estate planning purposes
• It can help you keep track of valuables if you move or store things outside your home

To put together a home inventory yourself, you may follow these simple steps:

• Use a camera or your phone to take pictures – of the item itself and the purchase receipt and/or valuation certificate
• Photograph one room at a time – Take multiple shots from different angles, documenting the contents and how they are set up.
• Photograph any high-value items, collectibles, or extremely unique pieces individually – Remember to look in places such as drawers and closets for valuables – and don’t forget handbags.

Consider these tips when taking pictures of special items:

• Artwork – Take pictures of the artwork from multiple angles to avoid potential glare from head-on shots. Record the artist’s signature, medium, title, date and edition number if applicable.
• Jewellery – Take close-ups of jewellery in good, natural light using a macro lens.
• Silver and china – Document one full place setting and capture the marking or hallmark, if possible.
• Valuable rugs – Take pictures of the front and back of the rug to verify how it is made.
• Electronics and appliances – Take pictures of the pieces as well as their serial or model numbers.

Organise your list 

• Group together less valuable items into one entry, such as decorative items, sporting goods, kitchen goods, etc.
• For individual items, list quantity, maker, artist and value, if known. Include the image ID associated with that item.
• Reference any invoices or receipts you have kept, to document detailed information such as purchase price or value.
• If you don’t have time to create a spreadsheet or would like the capability to attach invoices, etc. to your inventory, try using an inventory app or home management software, such as HomeZada.