DeSpain Insurance PLLC

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Because Life Happens... An ongoing series of informational insurance tidbits.

Home Inventory

Know Your Homes Property Value

March 15, 2022

When your insurance agent asks you the value of your personal property inside of your home, don't just throw out a guess! By taking the time to document your home's inventory, you can save yourself the headache and frustration of not having enough coverage in the event of a home loss! A few minutes now can save you hours of frustration later!


Can you image in the event of a loss, being told that your insurance only covers half of the amount of what your personal property actually values.  


The steps to ensure that you have sufficient property coverage, are simple and easy! 

  • Print off our home inventory sheet, and start documenting your personal belongings.
  •  Pull out your policy, and check that your coverage for personal belongings is sufficient, and if not,...
  •  get in contact with your insurance agent to increase your coverage.  
  • Continue to update your inventory. 
  •  In the event of a loss, you can make a claim, knowing exactly what was lost, and the value of the property that was damaged.  

Erin Huffstetler from myfrugalhome.com states  

  • "If something were to happen to your house, would you be able to provide your insurance company with a detailed list of everything you’d lost, along with the receipts, model numbers, serial numbers and photos to back it up? Because if not, your insurance company isn’t likely to pay your claim. And that means all those insurance premiums you’ve been paying will have been for naught".

Keep your records updated, and ensure that you have more than one copy of your inventory and documentation (a digital file, and a hardcopy in a fireproof box), to ensure that all of you preparation and hard work isn't lost in the event of a loss.


Work Smart, Not Hard!  Do your work now, to ensure a secure future for yourself, and the ones you love!

Home Inventory Printable

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