Household Inventory

A Record of Your Worth
Your homeowners insurance provides coverage for the contents of your home, up to a limit which you have selected with your policy. In the event of a total loss, you would be expected to provide a list of all of your personal property that was damaged, along with its estimated value.
If a loss occurred today, would you be able to compile such a list? Would you trust yourself to remember every item in your home, and the approximate value of each item?
If you’re like most people, it would be very difficult. That’s why we have developed this Household Inventory brochure. It’s a simple fill-in-the-blank worksheet that takes minutes to complete but could save you hours of frustration if you ever have a loss.
Determining the Value of Your Belongings
The standard homeowners policy is designed and priced to cover the Actual Cash Value of your Personal Property - that is, the replacement cost less depreciation for age and use or condition. How-ever for extra protection, you may choose to have Replacement Cost Coverage on Contents added to your policy.
For an additional low cost, Replacement Cost Coverage provides for the repair or replacement of your personal property - regardless of depreciation.
When entering the “Values” on your inventory, you should use either the Actual Cash Value or Replacement Cost - depending on the coverage provided by your policy.
If unsure whether you have Replacement Cost Coverage, check your policy, or give us a call. If you would like to add this coverage, we ask that you please contact us.
The Easy Way to Complete Your Inventory
First, use this form to list the items you own, along with what you consider their value (either Actual Cash Value or Replacement Cost Value, depending on your coverage). By grouping your belongings by the rooms in which they are located, you’ll be less likely to overlook something.
Next, total the values for each room and enter the information under the appropriate headings on the inventory form. (Better do it in pencil so it’s easy to revise in later years.)
When everything is listed, add up the values to arrive at a “grand total” figure. Then, check your homeowners policy with your insurance agent to make sure your present coverage is adequate to pro-tect you in case of a major loss. If your “grand total” figure is greater than the Coverage limit you currently have on your homeowners policy, you will need to increase your coverage.
A Picture is Worth a Thousand Words
Although it’s not required, we encourage you to take photos of some of the property you list in your Household Inventory. In particular, photos of higher valued and unusual items, such as antiques, are extremely helpful when it comes to settling a loss. The photos should be identified and stored along with your completed form. You might also consider videotaping these items and storing the tape with your Household Inventory form!
When You’ve Completed Your Inventory
Keep a copy around the house if you’d like, but make sure your original Household Inventory is put in a safe place - either in your safe deposit box, or filed with your insurance agent. (To avoid loss of your inventory, be sure not to store it on your premises.)
Then once a year, recheck it. What new items have been added to the household? How have the cash values changed? How does the protection of your Homeowners policy measure up against inflation? With the help of your insurance agent, make sure your home and its contents are insured-to-value . . . that your coverage is increasing at a rate equal to the rate of inflation, or that you have a Guaranteed Replacement policy.
Completing Your Household Inventory
•	Jot down the items and their value in each room (don’t forget the closets and storage areas).
•	Itemize the contents of the spaces above.
•	Total cash value contained in each room . . . or for each member of the family.
•	Enter the figures in the table below and total.

Household Inventory
This inventory lists the household goods and personal property of:
Name	
Address	
City	
State	
Zip	
Date of Inventory	
Revised	
Revised	

VALUE
Living Room			
Dining Room			
Kitchen, Utility Room			
Family/Activities Room, Den			
Bathrooms			
Attic, Storage Room, Garage			
Master Bedroom			
Bedroom #2			
Bedroom #3			
Bedroom #4			
Personal Effects — Family			
Personal Effects — Woman			
Personal Effects — Man			
Personal Effects — Girl(s)			
Personal Effects — Boy(s)			
TOTAL			

LIVING ROOM
NO	ARTICLE	VALUE	
	Books		
	Rugs, Draperies		
	Musical Instruments		
	Television		
	Paintings, Pictures, Art Objects, Decorative Accessories		
	Furniture, Misc.: Chairs & Sofas, Tables & Lamps, Mirrors & Clocks		
	Air Conditioner (Room)		
	Stereo System		
	VCR, Movies		
	Records, Tapes, Compact Discs		
			
DINING ROOM
NO	ARTICLE	VALUE	
	Chairs, Tables, Buffet		
	Draperies, Rugs		
	China, Glassware		
	Silverware and Pewter		
	Linens		
	Paintings, Pictures, Art Objects		

FAMILY / ACTIVITIES DINING ROOM, DEN
NO	ARTICLE	VALUE	
	Piano, Musical Instruments		
	Television		
	Stereo System		
	Records, Tapes, Compact Discs		
	Books		
	Air Conditioner (Room)		
	VCR, Movies		
	Telephone, Answering Machine		
	Computer, Software		
	Sewing Machine		

KITCHEN, UTILITY ROOM
NO	ARTICLE	VALUE	
	Chairs, Tables, Stools		
	Draperies, Rugs		
	Dishes, Glassware		
	Refrigerator		
	Range (Not built in)		
	Dishwasher (Not built in)		
	Washing Machine		
	Dryer		
	Microwave Oven		
	Electrical Appliances (Vacuum, Coffeemaker, Food Processor, etc.)		
	Kitchen Equipment (Foodstuffs, Supplies, Cutlery, Utensils, etc.)		
	Telephone, Answering Machine		
			
ATTIC, STORAGE ROOM, GARAGE
NO	ARTICLE	VALUE	
	Luggage, Trunks		
	Porch and Garden Furniture		
	Lawnmower, Hand Tools		
	Garden Hose		
	Wheelbarrow		
	Fertilizer, Seeds, Sprays, etc.		
	Christmas Decorations		
	Miscellaneous Articles		
	Snow Blower		
	Sports Equipment - Itemize		
			
BATHROOMS
NO	ARTICLE	VALUE	
	Bath Mats, Rugs, Draperies, Shower Curtain		
	Medicine Cabinet Contents		
	Linens and Towels		
	Electrical Appliances (Hair dryers, curling irons, shaver)		
			
PERSONAL EFFECTS - FAMILY
NO	ARTICLE	VALUE	
	Cameras, Films, Projection Equipment		
	Firearms		
	Fishing Equipment (Outboard Motor)		
	Golf Clubs		
	Bicycles		
	Exercise Equipment		
			
PERSONAL EFFECTS - WOMAN
NO	ARTICLE	VALUE	
	Outerwear (coats, gloves)		
	Clothing		
	Shoes and Slippers		
	Undergarments		
	Nightgowns, Housecoats, Hosiery		
	Jewelry, Watch — Itemize		
			
PERSONAL EFFECTS - MAN
NO	ARTICLE	VALUE	
	Outerwear (coats, gloves)		
	Clothing		
	Shoes and Socks		
	Pajamas, Robes, and Underwear		
	Jewelry, Watch — Itemize		

PERSONAL EFFECTS - GIRL(S)
NO	ARTICLE	VALUE	
	Outerwear (coats, gloves)		
	Clothing and Accessories		
	Shoes and Slippers		
	Undergarments		
	Nightgowns, Housecoats, Hosiery		
	Jewelry, Watch, Miscellaneous		
	Portable CD Player		
	CDs		

			
			
PERSONAL EFFECTS - BOY(S)
NO	ARTICLE	VALUE	
	Outerwear (coats, gloves)		
	Clothing		
	Shoes and Socks		
	Pajamas, Robes, and Underwear		
	Jewelry, Watch, Miscellaneous		
	Portable CD Player		
	CDs		

			

MASTER BEDROOM
NO	ARTICLE	VALUE	
	Bedding (Blankets, Comforters, Covers, Pillows, Springs & Mattress)		
	Rugs, Draperies		
	Bed, Chest, Dressing Table		
	Television, Stereo, VCR		
	Tables, Lamps and Chairs		
	Mirrors and Clocks		
	Paintings, Pictures, Art Objects		
	Air Conditioner (Room)		
	Telephone		

			
BEDROOM NO. 2
NO	ARTICLE	VALUE	
	Bedding (Blankets, Comforters, Covers, Pillows, Springs & Mattress)		
	Rugs, Draperies		
	Bed, Chest, Dressing Table		
	Television, Stereo, VCR		
	Tables, Lamps and Chairs		
	Mirrors and Clocks		
	Paintings, Pictures, Art Objects		
	Air Conditioner (Room)		
	Telephone		

			
BEDROOM NO. 3
NO	ARTICLE	VALUE	
	Bedding (Blankets, Comforters, Covers, Pillows, Springs & Mattress)		
	Rugs, Draperies		
	Bed, Chest, Dressing Table		
	Television, Stereo, VCR		
	Tables, Lamps and Chairs		
	Mirrors and Clocks		
	Paintings, Pictures, Art Objects		
	Air Conditioner (Room)		
	Telephone		

			
BEDROOM NO. 4
NO	ARTICLE	VALUE	
	Bedding (Blankets, Comforters, Covers, Pillows, Springs & Mattress)		
	Rugs, Draperies		
	Bed, Chest, Dressing Table		
	Television, Stereo, VCR		
	Tables, Lamps and Chairs		
	Mirrors and Clocks		
	Paintings, Pictures, Art Objects		
	Air Conditioner (Room)		
	Telephone		

			

 

This pamphlet describes policy and Replacement Cost endorsement in general terms.
For specific coverage details and terms, refer to the policy/endorsement itself or call your agent.