If you suffered a fire or flood would it be easy for you to determine exactly what was lost or destroyed?
It’s important to have a detailed inventory of all your belongings in the event of a natural disaster, accident, or theft.
Your home inventory should include everything that you can personally itemize within your house. It should also include all of your insurance policies, banking information, and other important papers.
The best way to create and maintain your personal inventory is to use a reputable home inventory program…
What To Look For
There are several things to consider when looking for a home inventory program, such as:
- Is it easy to use?
- Is it compatible with my computer?
- Does it provide enough detail about my personal belongings?
Home Inventory Programs
Here are a few of the most popular home inventory programs and what others think of them.
eProoft is a program that allows you to record all of your personal belongings, upload photos of those items, and make quick changes to your home inventory at any time. It’s an online system that make access and retrieval of your records instantaneous. Plus, you will never have to worry about losing your backup information. There is a FREE basic version, as well as a super-advanced paid version.
Insurance agents are partnering with eProoft to provide this service to their clients … We have always suggested that our clients have photos or videos of their possessions. However, some clients store those same images in their home or local bank. We’ve learned over the last few years that natural disasters can still affect these areas too, so the online storage is a real key for our clients. Source
Know Your Stuff is a FREE home inventory program that allows you to keep track of all your items. It’s great at helping you categorize all of your possessions. Plus, there’s also a way to add pictures and scanned receipts.
Several realtors and insurance agents recommend that homeowners use Know Your Stuff to keep track of personal belongings, as does the government’s own National Flood Insurance Program.
Home Inventory prompts you for details you might otherwise forget. Each item you record may include its cost, purchase date and location, and model and serial numbers. You can even include photos and scans of sales receipts. Source
StuffSafe is another FREE online inventory system that can be downloaded to your computer at any time. Your personal home inventory can also be stored on a secure website peace of mind (…and it’s just as easy to access). You can even give your insurance agent or another designated person "read-only access" to your personal home inventory.
StuffSafe allows you take inventory of your home. Make a detailed list of all your valuable goods; start with the expensive stuff, jewelry, antiques, electronics, and work your way down; note serial numbers, model, provide a brief description and date of purchase; you may even choose to include a photograph. By storing your inventory online with StuffSafe, you´re better able to get insurance claims faster in the event of property damage or loss– whether it be due to an unfortunate fire, thievery, or a natural disaster. Source
It’s Worth Noting…
Both of these online programs are FREE as well.
In addition, there are a number of very reputable home inventory software programs that you can choose from.
Or, you may want to simply walk through your home with a video camera in hand, and videotape the serial numbers and condition of all the items in your home. (Just be sure to store the video online, or in a safe place.)
In the end, regardless of which home inventory program you ultimately choose, the more details you keep about your belongings, and the more photos you have, the more likely you will be to get every penny that you are due if you should ever have to file an insurance claim.