![]() When Should You Make a Home Inventory List? Your list helps make sure you don’t miss anything worthwhile. Not seeing or using those items every day doesn’t make them any less valuable. There may be items you don’t think about a lot – like the $500 Vitamix sitting in your cupboard or the gold jewelry you inherited from your grandparents that’s tucked away in a jewelry box. The second benefit of a home inventory list is that it ensures that every single household item has been itemized. First, it increases the chances that the insurance provider will fully cover your claim. The point of a home inventory is to make sure you have everything you need to file a complete homeowners insurance claim in the event of a disaster.Ī home inventory list has two clear advantages. If you believe an item you own is exceptionally rare or valuable, you might want to consider getting it appraised by a professional. You should talk to your insurance agent about how best to itemize and detail unique items – and verify that your policy covers them.
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