![]() Just pull out your smartphone camera and start recording (there are also plenty of home inventory apps that make the process even easier).Īs you go through each room, describe each item as best as you can. And the video doesn’t have to look like it was made by a professional. Shooting a video should make the inventory process less stressful. Even if you don’t have the time or energy to take note of every single item in your house, listing something is better than nothing. Your inventory should essentially include items from every room in your home, including the attic, basement and garage. You just want to provide enough information so that your insurance adjuster can accurately determine how much your items are worth. There’s more than one way to create a home inventory. CLICK TO TWEET How to shoot a home inventory video Without an accurate and up-to-date inventory, the insurance settlement process can be time-consuming and frustrating. It’s better to take inventory of your possessions now than to try and remember what you owned following a fire or storm. You don’t want your claim denied because you didn’t have a complete record of your personal items. It’s the only way to prove you actually owned the items you lost and it will help you determine whether you have enough coverage to replace them. To accurately assess the value of everything you own, you should have video and photographic evidence. When you file a claim and make a list of items for your insurance company, you’ll want to include as many details as possible, such as brands, model numbers and receipts with purchase dates, whenever possible. The amount of coverage is usually limited to 50% to 70% of the insurance you have on your home’s structure, but it may be increased depending on your situation. Even personal belongings in storage units can be covered. It also covers many of the things inside of it. Often referred to as contents coverage, personal property coverage is provided for items like appliances, furniture, kid’s toys, electronics, clothing, sports equipment and tools. Your homeowners insurance policy covers more than just your home. ![]() Here's the quickest way to build an inventory. It also covers many of the things inside of it. One of the fastest ways to document all of your belongings is to create a home inventory video. If your home was destroyed in a natural disaster, could you name every single one of your lost possessions? Could you estimate the age and value of every piece of jewelry or furniture? It sounds crazy, but a list of items that were damaged or destroyed will be one of the first things your insurance carrier asks for during the claims process. The most important inventory video you’ll ever take: in 5-minutes or less
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