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Conducting a Home Inventory

A home inventory is a complete and detailed written list of all your personal property that’s located in your home and stored in other structures like garages and toolsheds. It should include your possessions as well as those of family members and others living in your home. You should prepare an inventory whenever you move into a new home. To keep track of new additions and discarded items, be sure to update it every year.

Wasn’t there a vase on that table in the study?

It would be quite an accomplishment for any of us to recall all of the contents of any one room, even at the calmest of moments. Remembering everything that’s in your house and garage after a fire, theft, or other calamity would be virtually impossible. Yet that’s what you’ll be asked to do when you submit a claim on your homeowners insurance, unless you’ve already prepared a written inventory of your possessions. Omitting items or failing to include an adequate description of an item may prevent you from receiving full compensation from your insurance company. Since the whole point of buying homeowners insurance is to be compensated for a financial loss, why bet everything on your memory? You’ll also find that a detailed inventory helps when filing a police report or when trying to prove a loss to the IRS.

 

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• Wisconsin Region: 608-232-5938
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