"Home Inventory Template" - Delaware

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Download "Home Inventory Template" - Delaware

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From
Karen Weldin Stewart,
CIR-ML
Delaware’s Insurance Commissioner
A home inventory serves two main purposes:
To help you estimate the value and replacement cost of your possessions in order to ensure
that you have sufficient coverage under your homeowners or renters insurance policy; and
To create a record of what you have in case disaster strikes and you need to provide your
insurance company with a comprehensive list of what needs to be replaced.
A proper home inventory will create a record of what you own and what it’s worth. To perform an
exhaustive home inventory, you should:
1. Make a list. Go through each room in your house and list every piece of furniture, every
appliance and every item. Include art on your walls, lamps, curtains or blinds on the windows,
dishes and silverware, even the number of CDs, DVDs and videos you own. For clothes, count
the number of shirts, pants, dresses, pairs of shoes, etc. Cover your attic and/or basement.
Make sure to include the tools, equipment and other items in a garage or shed. For as many
items as possible, list model names, serial numbers, purchase dates and prices. For the
purpose of determining if you have adequate insurance coverage, you may want to figure out
what it would cost to replace your possessions, at least for furniture, appliances and other
items. You want your inventory to be as complete as possible — imagine how might you spend
replace all these items without being reimbursed by your insurance. Use the attached home
inventory forms to help go through your house and make your list.
2. Take video or photos. Videotape or take photos of all the rooms in your house in order to
document what you have. Record each room from different angles. Videotape or photograph the
contents of closets, drawers and cabinets as well. Put the date on the videotape label or on the
backs of the photos if it’s not automatically recorded.
3. Safeguard your inventory. Place your list and your video or photos in a safe deposit box at a
bank, in a fireproof and waterproof container in your home, or have a family member or friend
hold on to them.
4. Update once a year. It’s important that your list be kept up to date. Once you make an initial
list, it won’t be hard to update.
For a version of the home inventory form you can download to fill out on your computer, and for
more tips and information about homeowners insurance, visit the Delaware Department of
Insurance on the web at www.delawareinsurance.gov or call 1-800-282-8611.
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H
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v
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t
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From
Karen Weldin Stewart,
CIR-ML
Delaware’s Insurance Commissioner
A home inventory serves two main purposes:
To help you estimate the value and replacement cost of your possessions in order to ensure
that you have sufficient coverage under your homeowners or renters insurance policy; and
To create a record of what you have in case disaster strikes and you need to provide your
insurance company with a comprehensive list of what needs to be replaced.
A proper home inventory will create a record of what you own and what it’s worth. To perform an
exhaustive home inventory, you should:
1. Make a list. Go through each room in your house and list every piece of furniture, every
appliance and every item. Include art on your walls, lamps, curtains or blinds on the windows,
dishes and silverware, even the number of CDs, DVDs and videos you own. For clothes, count
the number of shirts, pants, dresses, pairs of shoes, etc. Cover your attic and/or basement.
Make sure to include the tools, equipment and other items in a garage or shed. For as many
items as possible, list model names, serial numbers, purchase dates and prices. For the
purpose of determining if you have adequate insurance coverage, you may want to figure out
what it would cost to replace your possessions, at least for furniture, appliances and other
items. You want your inventory to be as complete as possible — imagine how might you spend
replace all these items without being reimbursed by your insurance. Use the attached home
inventory forms to help go through your house and make your list.
2. Take video or photos. Videotape or take photos of all the rooms in your house in order to
document what you have. Record each room from different angles. Videotape or photograph the
contents of closets, drawers and cabinets as well. Put the date on the videotape label or on the
backs of the photos if it’s not automatically recorded.
3. Safeguard your inventory. Place your list and your video or photos in a safe deposit box at a
bank, in a fireproof and waterproof container in your home, or have a family member or friend
hold on to them.
4. Update once a year. It’s important that your list be kept up to date. Once you make an initial
list, it won’t be hard to update.
For a version of the home inventory form you can download to fill out on your computer, and for
more tips and information about homeowners insurance, visit the Delaware Department of
Insurance on the web at www.delawareinsurance.gov or call 1-800-282-8611.
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Questions about your home insurance?
the Delaware Department of Insurance at 1-800-282-8611 or www.delawareinsurance.gov
Description/Brand/Model/Serial Number
Year of
Original
Replacement
Purchase
Cost
Cost
KITCHEN
Refrigerator
Oven/range
Microwave
Sink
Dishwasher
Coffee maker
Toaster/toaster oven
Cabinets
How many?
Pots/pans
How many?
Glasses/cups
How many?
Silverware
How many pieces?
Plates/bowls/dishes
How many?
Cooking
utensils/bowls/etc.
Kitchen table
Kitchen chairs/stools
How many?
Artwork/decor
Telephone
Rugs
Lights/lamps
Curtains/blinds
Other items/
appliances in my
kitchen
DINING
Dining table
Dining chairs
How many?
Sideboard/hutch
China cabinet
Silver
How many pieces?
China
How many settings?
Tablecloths/linens
Artwork/decor
Rugs
Lights/lamps
Curtains/blinds
Other items in my
dining room
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___________________________________ D
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__________
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Questions about your home insurance?
the Delaware Department of Insurance at 1-800-282-8611 or www.delawareinsurance.gov
Description/Brand/Model/Serial Number
Year of
Original
Replacement
Purchase
Cost
Cost
LIVING/FAMILY
Television
VCR
DVD player
Stereo component 1
Stereo component 2
Stereo component 3
Speakers
Sofa 1
Sofa 2
Chair 1
Chair 2
Chair 3
Ottoman
Coffee table
Side/other tables
Bookshelf
Books
How many?
CDs/tapes/albums
How many?
Videotapes/DVDs
How many?
Artwork/decor
Telephone
Rugs
Lights/lamps
Curtains/blinds
Other items in my
living/family room(s)
BATHROOMS
How many bathrooms are in your house? Full:
Half:
Bathroom appliances
Towels
How many?
Grooming gear
Rugs
Artwork/decor
Lights/lamps
Curtains/blinds
Other items in my
bathrooms
LAUNDRY
Washer
Dryer
Iron/ironing board
Other items in my
laundry area
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__________
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Questions about your home insurance?
the Delaware Department of Insurance at 1-800-282-8611 or www.delawareinsurance.gov
Description/Brand/Model/Serial Number
Year of
Original
Replacement
Purchase
Cost
Cost
BEDROOM 1
Whose bedroom is this?
Bed
Nightstand(s)
Dresser
Chair(s)
Clock/alarm/radio
Stereo
Computer
Television
Telephone
Clothes:
- Shirts/blouses
How many?
- Pants
How many?
- Suits
How many?
- Dresses
How many?
- Sweaters
How many?
- Coats/jackets
How many?
- Shoes
How many pairs?
- Other
Rugs
Artwork/decor
Lights/lamps
Curtains/blinds
Other items in
bedroom 1
BEDROOM 2
Whose bedroom is this?
Bed
Nightstand(s)
Dresser
Chair(s)
Clock/alarm/radio
Stereo
Computer
Television
Telephone
Clothes:
- Shirts/blouses
How many?
- Pants
How many?
- Suits
How many?
- Dresses
How many?
- Sweaters
How many?
- Coats/jackets
How many?
- Shoes
How many pairs?
- Other
Rugs
Artwork/decor
Lights/lamps
Curtains/blinds
Other items in
bedroom 2
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__________
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Questions about your home insurance?
the Delaware Department of Insurance at 1-800-282-8611 or www.delawareinsurance.gov
Description/Brand/Model/Serial Number
Year of
Original
Replacement
Purchase
Cost
Cost
BEDROOM 3
Whose bedroom is this?
Bed
Nightstand(s)
Dresser
Chair(s)
Clock/alarm/radio
Stereo
Computer
Television
Telephone
Clothes:
- Shirts/blouses
How many?
- Pants
How many?
- Suits
How many?
- Dresses
How many?
- Sweaters
How many?
- Coats/jackets
How many?
- Shoes
How many pairs?
- Other
Rugs
Artwork/decor
Lights/lamps
Curtains/blinds
Other items in
bedroom 3
BEDROOM 4
Whose bedroom is this?
Bed
Nightstand(s)
Dresser
Chair(s)
Clock/alarm/radio
Stereo
Computer
Television
Telephone
Clothes:
- Shirts/blouses
How many?
- Pants
How many?
- Suits
How many?
- Dresses
How many?
- Sweaters
How many?
- Coats/jackets
How many?
- Shoes
How many pairs?
- Other
Rugs
Artwork/decor
Lights/lamps
Curtains/blinds
Other items in
bedroom 4
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