Printable Home Inventory List

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Why You Need to Do an Inventory of Your Home

House Fire
House Fire. Elizabeth Castaneda/EyeEm/Getty Images

Insuring the contents of your home is important. Just as important is keeping a detailed record of everything that you own. Should you ever need to file a claim, the insurance adjuster will expect you to submit a list of all damaged belongings, complete with purchase dates, purchase prices, brand names, model numbers, receipts and photos. If you can't provide this information, your claim may be denied, and that's not what you've been paying those hefty premiums for!

Whether you own your home or are renting, you need to set aside time to catalog the contents of your home.

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Free Home Inventory List

homeinventorylist.jpg
Printable Home Inventory List. Photo © Erin Huffstetler

Do a full home inventory of your home and update it annually. You can use this free, home inventory list printable to get the job done.

It's a good idea to take photos or a video to back up the information in your inventory list. I also recommend taking photos of any unique features/amenities in your home, so you'll have those photos to show your insurance agent, should you ever need to file a claim.

Locate receipts for all of your big-ticket items, and keep them with your inventory list. If you don't like hanging on to paper receipts, take photos and load them to the cloud. Serial numbers are important too, so don't forget to add those to your inventory list. If any of your electronics are stolen, this will help police to identify your property.

Are You a Stockpiler?

If so, be sure to document the contents of your freezer(s), pantry and stockpile, too. You can use this freezer inventory list and pantry inventory list to get the job done.

Stay on Top of Changes

Update your inventory list whenever you add any big-ticket items to your home. Don't wait for your yearly update to make changes. Disaster could strike at any time.

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Secure Your Home Inventory List

Safety Deposit Box
Safety Deposit Box. Lester Lefkowitz/Photographer's Choice/Getty Images

Make multiple copies of your home inventory list, so you can keep them in more than one location. I recommend keeping one at home (on your computer, in your fire safe, etc.), one off site (in a safety deposit box, in a friend's fire safe, etc.) and one on the cloud. Don't make the mistake of keeping a single copy in your home. If something happens to your home, you'll lose your inventory list, too.

Once you have everything finalized, make an appointment with your insurance agent to go over your policy and make sure you still have enough coverage. If you've amassed a collection of art or jewelry, for example, it may be time to purchase a rider or to increase the amount of an existing rider.