Benefits

Professional & Confidential Home Inventory Services

 Be Prepared ... Take Inventory Before Disaster Strikes!
 

  • Protection & Peace of Mind
  • Complete Documentation of Personal Property
  • Recommended by Insurance Companies & Financial Planners


 

An inventory is especially important for insurance purposes.  When you make an insurance claim for damaged, lost, or stolen property, your insurance policy will require you to show the quantity, description, and possibly the amount of loss associated with each item.  You may also be asked to provide copies of bills, receipts, or other documentation to support your figures.  If you omit some items or fail to include an adequate description of others, you may receive less than full compensation for your losses.   Relying solely on your memory can be an expensive mistake.

A home inventory is a detailed list of the personal property or assets located in your home, including pictures.   You should also include property that you have stored elsewhere, perhaps in a garage or storage shed.
 

Your list should include: furniture, jewelry, antiques, artwork, appliances, kitchen contents, clothes, carpets, drapes, computer equipment, television sets, CD players (and other audio or audiovisual equipment), musical instruments, clocks, mirrors, linens, lawn mowers, snow equipment, tools, sports equipment, collectibles and any other items of value.
 

Here are just a few reasons how you can benefit from our inventory services:
 

Insurance
Receive insurance settlements faster because you will be able to identify what was lost. Most people can’t recall every item accumulated over the years after a loss.
 

Taxes and Valuation
A detailed inventory can help verify losses for income tax deductions.  
 

Estate planning
A line listing or picture inventory can be used to supplement legal documentation or information.  
 

Moving
Keep track of lost or damaged items.
 

Insurance Requirements
 

When filing a claim for destroyed or stolen items, pre-recorded documentation will make a claim easier and more credible.  Be sure that all your items are covered under your current policy.  You might be surprised at the list of exceptions that some insurance companies have listed.  However, most insurance companies do suggest a documented record of your belongings.   The format is not the same across the various insurance companies but the expectation is!
 

Here are a few insurance company quotes regarding the value of a home inventory:
 

Travelers Insurance
After a fire, burglary or another event in which you lost possessions from your home, it may be difficult to remember the details of every one of the belongings that you have accumulated over the years. In this situation, having a current inventory of your possessions, including make and model numbers, may help you with any potential insurance claims. Taking the time to document your belongings now can help you recover faster after a loss. 


Farmers Insurance Group
The following can be found on the back of their "Household Contents Inventory Record Book" - "This record can be worth thousands of dollars to you. Keep it in a safe place outside your home."    
 

State Farm Insurance
 

A home inventory can be used to help you make coverage decisions. It also can simplify filing an insurance claim, help you secure a settlement and prove useful when verifying property loss for taxes.

Despite the importance of an inventory, many individuals don't have a detailed record of their belongings. According to the most recent survey from the National Association of Insurance Commissioners (2012), 59% of consumers don't have an inventory. Of those who do, many haven't kept their records up to date or didn't include the necessary documentation.
 

Allstate Insurance
Creating a detailed home inventory can help if your things are destroyed and you need to file an insurance claim in the future — and it can also help you assess whether you need additional coverage now. 

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