New home inventory checklist12/15/2023 ![]() ![]() You’ll need to work through each room inside your house, writing down all the things you own. When you finish one room, move to the next room and do the same thing. While you’re in that room, write down every item you see, and don’t forget to look in drawers, cabinets, and closets. Here are some suggestions to consider using: Write the Listįirst, you might want to grab a notebook and a pen and start in one room of your home. The best way to create an inventory checklist is by combining a written list with photos or videos. Your list will remind you of the things you had, which might make it easier for you to replace them. To Know What Items to Replaceįinally, it’s nice to have a list of everything you own just in case you lose it all. An insurance rider is something you can add to your plan to cover expensive items that your policy might not cover fully. When you make the list, you can show your insurance agent and provide it to the adjuster.įor example, if you own a $10,000 ring, your plan might not cover it without a rider. Next, creating an inventory helps you get the right coverage for your personal property. To Have the Right Coverage of Your Things The insurance company will base the compensation they offer on this list. ![]() If you can give your homeowners insurance company this list afterward, it will prove what you had. With a home inventory, you can have all the proof you need for your insurance company if you ever need it. For example, if your entire house is gone from a fire, how will you prove what you had in your home? After all, you might not have any proof of what you owned. If you don’t have a list of your inventory, proving it might be challenging. They may also ask for proof of your inventory. Here are a few reasons you need an inventory checklist: To Prove What You Own If You Lose Your Assetsįirst, when you file an insurance claim for a loss, the insurance company will ask you to make a list of everything you lost. ![]() Why You Need to Complete a Home InventoryĬreating a home inventory is crucial if you own a house and have a homeowners insurance policy. This guide will explain what a home inventory is, how to make one, and how it can help you if you need to file a claim. What is this, you might wonder, and how do you make one? You can have a record of your things by completing a home inventory. After all, you’ll need this record if you have a complete loss. However, even with homeowners insurance, it’s still important to have a record of the things you own. When a home fire occurs, you can have some peace of mind if you already have homeowners insurance on your house. Individual preferences and room variations should be considered when furnishing or decorating.In 2019, approximately 1.29 million home fires occurred. It serves as a reference and starting point, not a comprehensive guide. Please note that this list is not exhaustive, and the presence or absence of specific items does not apply universally. This content provides a general overview of common items found in a home’s room. It is also helpful to take photographs or videos of the items and store them along with the inventory list for further documentation. Remember to include as much detail as possible, such as brand names, models, purchase dates, and estimated values. Window Treatment (e.g., curtains or blinds).Decorative items (e.g., vases, sculptures, figurines). ![]() Fireplace or heating unit (if applicable).Floor or wall-mounted air conditioning unit (if applicable).Dining table and chairs (if the living room and dining area are combined).Here is a list of common living room items that you may need to include in your home inventory when sharing it with your insurance provider: ![]()
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