What Does Your Policy Really Say?
What you can't remember can cost you thousands.
If you file 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 exceptions that some insurance companies have listed for certain items. However, most insurance companies do suggest a documented record of your belongings.
The format for home inventory is not the same across the various insurance companies, but the expectation is!
Home Inventory - "it’s the best way to be prepared for potential losses — it’ll help you provide a detailed list to your agent of the items lost in the event your home is damaged or destroyed, allowing you to get the most out of your coverage."
"The threat of loss of property from fire, theft, or other causes is always present. An accurate inventory and proof of ownership at the same time of a loss can make claim settlement easier and faster."
"This record can be worth thousands of dollars to you. Keep it in a safe place outside your home."