How to Document Your Belongings for a Home Insurance Claim

When disaster strikes—whether it’s a fire, theft or natural disaster—having a well-documented record of your belongings can make the claims process smoother. Proper documentation helps establish the value of lost or damaged items, reducing potential disputes and delays. Here’s how to document your possessions effectively.

1. Create a Home Inventory

Start by making a detailed list of your belongings. Organize it by room and category, noting essential details like the following:

• Item descriptions (brand, model, serial number)

• Purchase date and location

• Estimated or appraised value

Using a spreadsheet or home inventory app can help keep this information organized and easily accessible.

2. Take Photos and Videos

Visual proof adds credibility to your inventory. Walk through your home with a camera or smartphone, capturing clear images or videos of your belongings. Open drawers, closets and storage spaces to include all valuable items. While recording, verbally describe the items, including purchase details.

3. Keep Receipts and Appraisals

For high-value items like jewelry, electronics and collectibles, keep copies of receipts, appraisals and warranty documents. Digital copies stored in the cloud or on an external drive provide extra security in case physical copies are lost.

4. Use Digital Storage

Store your home inventory in a secure, easily accessible place, such as a cloud storage service, email or external hard drive. Keeping a copy outside your home, such as with a trusted friend or family member, ensures you can access it even if your home is damaged.

5. Update Regularly

Revisit your home inventory at least once a year or after major purchases. Updating your records ensures they remain accurate and useful if you ever need to file a claim.

6. Consult With Your Insurance Provider

While insurance policies vary, understanding your coverage and discussing documentation best practices with your provider can help clarify what’s needed for a claim. Contact Bennie Brinson Insurance Agency to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.