How to Catalog the Contents of Your Home for Insurance Records

One never knows when disaster will strike. Fire, floods, powerful storms or theft can all cause damage or complete loss to one's home and belongings. It is a good idea to keep detailed records of one's possessions. Some household goods may seem insignificant yet, replacing the items can be costly. Many of us carry insurance to cover the contents of our dwellings, but, without records to prove ownership it may be difficult to obtain compensation. Though time consuming, digital cameras and computers make it easy to produce and store detailed records in the event a calamity occurs. The following steps should help you accomplish this task

Difficulty: Moderately Challenging

Instructions

Things You'll Need:

• Digital camera
• Computer
• Blank CD or DVD
• Printer

1. 
    
   Photograph the contents of all dressers, closets and cabinets

   Set the time and date on a digital camera and photograph each room in your home from several different angles. Make sure to open closet doors, dresser drawers and cabinets to display the contents.

2. Compile a list of the items in each room, Don't forget to include rugs and window treatments.

3. Add values if known to the different items. (For instance, leather sofa $800.00 purchased 2008). Also, record brand name and model numbers when possible.

4. 
    
   Take individual shots of special items

   Make special note of significant items, such as, family heirlooms, collections and jewelry. Then photograph these items individually.

5. Make a word document on your computer of the list and ,if possible, import the photos to the document.

6. Make several CD/DVD's of the completed record. Also, print out several copies of the record.

7. Store the records in several locations including bank safety deposit box, with trusted family members, with attorney and also consider storing the documents on line.

8. Check your insurance policy and contact your agent if you believe you are under insured for your home' s contents.

Tips & Warnings

• Use the widest angle setting possible on the camera.
• Take your time and be thorough. Complete one room at a time. It may take several weeks to complete the project.
• Don't forget holiday decorations, garage and any outbuilding contents.
• Check sold listings on various auction web sites to help you place values on items such as china and silver.
• Consider hiring an appraiser if you have a number of antiques or heirlooms.
• Make sure you completely trust anyone or location you use to store the documents

[Marilynda]

on 6/26/2009 Good article on cataloging the contents of your home for insurance records. This is important and something we all should do. 5*

[kathryndarden]

on 6/24/2009 Great advice. I need to do this.

[karileighk]

on 6/24/2009 Very good tips. Excellent. *5