Have you asked yourself what would happen if those things were gone one day? Do you know everything about the items you have in your home and can draw on it from memory? Honestly, most people cannot. This is why it is of utmost importance to make a home inventory that will catalog everything that is important to you.
Your home is your sanctuary and the items you keep in your home are what make it more comfortable and livable. If something catastrophic happens to your home, such as a fire or natural disaster, without a complete home inventory, your insurance company has no way to compensate you for your losses.
Insurance companies are protecting themselves against fraud when they deny claims that are not evidenced by either a listed inventory on file, or a video inventory of your home. They just will not allow for you to give them a list of items after the fact. So to protect yourself print a list of all your valuable items in your home – furniture, appliances, electronics, jewelry, even down to picture frames. These items should have a value associated with them, preferably backed with receipts, but a general value will be acceptable as this is what the insurance company will use.
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