I can only imagine how difficult it must be to lose your possessions to a theft, fire, tornado, or other disaster. But I’m pretty sure I wouldn’t want to be trying to remember exactly what I owned during such a stressful time. And that’s why I have a home inventory.
A home inventory also helps you decide how much insurance you need for your home’s contents. If you’ve been in your home for a number of years, do you have any idea what it would cost to replace everything in that home? Until I did a home inventory, I certainly didn’t.
And here’s a side benefit: As you go through your home, noting everything in it, there’s a good chance you’ll wind up doing some uncluttering.
How do you create a home inventory? There are lots of options, so you’ll want to pick the one that works best for you. You may also choose to combine two or more techniques.
Photos and/or videos
This may be the quickest and easiest answer, especially if you have a smartphone that records videos. You can walk through your home, capturing images of what you own and narrating what’s what. Be sure to include important details about your items, such as model and/or serial numbers. You might also want photos (or scans) of receipts for your most valuable items.
Organizer Margaret Lukens writes that you can do a video inventory of an average 3-bedroom house in about an hour. The one disadvantage: If you get new things or move things around, you’ll need to create a new video. But given how quick the whole process can be, this may not be a big problem.
Home inventory apps/programs
There are plenty of these, including the following:
- Home Inventory, from Binary Formations
- Know Your Stuff, from the Insurance Information Institute
Some of these tools are free; others are not. One concern with tools like these is that there’s always a chance the company behind them will go out of business or decide to stop supporting the program. (I noticed that a number of programs I’d bookmarked years ago are no longer being sold.) You may want to investigate what the company says it will do under such circumstances; will it provide a means for you to export your information?
Generic software programs
You may already own some software that will work just fine for creating an inventory. When I created my home inventory over 10 years ago, I used a simple Excel spreadsheet. Vertex42 even provides a home inventory spreadsheet template, for those who’d like some help getting started. Other people like using Evernote to create a home inventory.
Cataloging/collection management software
When I did my home inventory, I didn’t always list each individual item. For things like CDs, trade paperbacks, basic hardcover books, and bottles of wine I just counted how many items I had in each category. But if you have a collection where you want to know exactly what items you have, you may want to use software that is designed for managing the type of collection you have: books, music, wine, etc.
A home inventory can also be done with paper and pen (or pencil). You can find sample forms online from many home insurance companies. In the U.S., many states have departments of insurance that also provide home inventory forms.
Home inventory companies
You can also pay someone to create a home inventory for you. Some professional organizers provide this service, and I’ve seen other companies that have home inventories as their main service offering.
Reminder: No matter how you create your home inventory, you’ll need to be sure the resulting inventory components (digital files, paper, photos, videos) are safely stored away from your home. And you’ll want to have a process for updating the inventory over time, since things will change.