The aftermath of a house fire or robbery is a dizzying mix of fear and confusion. However, having adequate home insurance will help you make a financial recovery. Part of making sure you are fully protected is creating a home inventory list before any property damage occurs. The following guide provides information on what items to include.

What Needs to Be on the List?

Start by walking through your house room by room. Having the visuals in front of you instead of relying on your memory will help create a more thorough list. Include computers, flat-screen televisions, and other electronic equipment. Don’t forget to inventory washing machines, dryers, refrigerators, and other large appliances. 

Home insurance agents strongly suggest listing jewelry pieces such as wedding rings, watches, and necklaces.

If you have art, including paintings, sculptures, and other high-end valuables, list them too, as well as musical instruments. 

You can choose how to list the items. Some homeowners use a video recording to supplement a written list. Make duplicate copies of both and keep them in a safe deposit box or with a trusted relative or friend who doesn’t live with you.

What Details Should You Include?

When listing the ideas, provide specific details. For example, record the serial numbers, which will help identify lost, stolen or damaged valuables when you file your home insurance claim. If you still have receipts, take screenshots of them with your camera. As an additional backup, scan them as PDFs.

It’s also helpful to have appraisal information for art, jewelry, and other high-ticket items just in case your insurance provider needs to determine value. 

By taking the proactive measure of creating a detailed inventory list, it will help eliminate confusion when filing a home insurance claim. For more than 20 years, Kirk Insurance Agency in Spearman and Perryton, TX, has served residents and small business owners throughout the Texas panhandle by providing affordable and customized coverage. The family-owned firm takes pride in being accessible and approachable—always ready to explain insurance terms and features so that clients have a clear understanding. To learn more about compiling a home inventory list, call (806) 659-2794 for Spearman or (806) 435-2900 for Perryton. Visit the website for the full lineup of their services.