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  • Writer's picturePauline Handy

A Home Inventory Can Aide in a Home Insurance Claim

Updated: Aug 1, 2023

Woman taking home image with cell phone

If you lost all of your personal belongings in a fire or another catastrophe, you likely wouldn't be able to recall all of your possessions from memory alone. This holds especially true for homeowners with significant assets. It's hard enough to recall everything you own under normal circumstances, but it's even more challenging when tragedy strikes.

An up-to-date home inventory can help to make filing a home insurance claim much more manageable and certainly much less stressful.

No longer a tedious chore

Creating a complete inventory of your possessions might seem overwhelming, but there’s good news: Technology can turn this tedious chore into an easy (maybe even enjoyable) activity. A home inventory can aide in the home insurance claim process.

The best home inventory apps make it easy and intuitive to categorize your possessions and sort items by room. Scannableble barcodes and QR codes make it easy to upload photos and videos of your property. And you can add new purchases throughout the year, so you’re always up to date.

A backup of your inventory is automatically stored in the cloud in case you lose or damage any of your devices.

Price: Free

Available on: iOS and Android

Price: Free

Available on: Android

Price: Free

Available on: iOS

Get help with your inventory

If taking an inventory still feels overwhelming, too time consuming, or technolgy just isn't your thing, an agent at V.F. McNeil Insurance will schedule an appointment with you to conduct a video home inventory, free of charge.

We'll provide you with a copy on a flash drive to store in a a fire-safe spot, or in a safe location outside of your home, and we keep a copy in our fire safe location. However, you will still have to remember to update us on any upgrades or additional purchases.

Are you properly insured?

In addition to helping you organize, document and track your belongings, inventory apps help you calculate how much your items are worth. And once you know what your belongings are worth, you can more confidently choose the appropriate insurance coverage limits. (Don't forget to include the stuff you have in storage or other locations.)

Keep your home inventory current

Keeping your home inventory up to date is essential.

  • Review your inventory annually and make sure it reflects your insurance needs.

  • As you purchase new items, add them to the app.

  • When you downsize, delete items you no longer own from the app.

No one wants to think about dealing with a personal catastrophe, but you can prepare by making a comprehensive home inventory. Once you get your inventory together, check your current home insurance policy to make sure you’ve got enough protection for your needs.

Speak with an agent at V.F. McNeil Insurance today about your homeowner's insurance. We are always happy to answer your questions and further discuss the importance of a home inventory.

Contact our insurance agents today at (203) 481-2684!

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