Be able to prove what you owned.
After a fire, a flood or a burglary, an insurer asks a question nobody can answer from memory: what was there, and what was it worth? Answer it now, while everything is still in front of you.
Free to start. Works in any browser, on any device.
Contents claims are not usually refused outright. They are reduced — quietly, item by item, because the claimant could not evidence half of what they lost. The loss adjuster is not being difficult; they simply cannot pay for a television nobody can describe.
An inventory built calmly, in advance, is the only version of this record that ever gets made. Nobody has ever successfully compiled one from memory the week after a fire.
What it gives you
Photographs with a date on them
Every item carries its own pictures, recorded before anything happened to it. A dated photo of an intact possession is the single most useful thing in a claim.
What you paid and what it replaces for
Purchase cost and replacement value are different numbers and insurers care about both. Record each and the totals roll up per room and for the whole house.
Serial numbers and details
Model and serial numbers go in the item description, where they are findable — not on a receipt in a drawer that burned with everything else.
Check your cover is enough
Most people insure contents for a number they guessed once. A real total tells you whether the sum insured is close, and underinsurance is what turns a full claim into a partial one.
Hand it over as a spreadsheet
Export the whole inventory in the format an adjuster can actually work with, rather than emailing them ninety photographs.
Not stored in the house
An inventory kept in a notebook on the shelf burns with the house. This one is on infrastructure we run, reachable from any device you can borrow.
How to start
Work room by room
One location per room. A room an evening is a pace people actually keep up; the whole house in one sitting is not.
Photograph, then value
Photograph first — it is quick and it is the part that matters. Costs and serial numbers can be filled in afterwards.
Review it once a year
Big purchases in, things you no longer own out. Twenty minutes, once, keeps the record honest.
Questions people ask
- What does an insurer actually accept as proof?
- In practice: photographs showing the item in your home, some indication of age or purchase date, and a value with reasoning behind it. Receipts are ideal and rarely available. A dated photo plus a considered replacement cost is what most claims are settled on.
- Do I need appraisals for jewellery or art?
- For anything above your policy’s single-item limit, usually yes, and the appraisal itself should be photographed and recorded alongside the item. The guide on documenting valuables covers what an appraiser wants before you pay for one.
- How much detail is enough?
- Enough that a stranger could identify the item and price a replacement. "Sofa" is not enough; "three-seat grey fabric sofa, bought 2022, about $1,200 to replace" plus a photo is.
- Is my inventory private?
- Yes. Inventory records are only ever read back to the account that created them, photos are never given a public link, and nothing is sold, shared with advertisers or used to train models. The privacy page says it in full.
- What if I need it after a total loss?
- Sign in from any device and export the whole record, photos included, as a spreadsheet. Nothing about recovering your inventory depends on hardware that was in the house.
Read more about it
Guides that go into the detail this page skips.
Make the record now, while there is nothing to prove.
Start with a single location and the bins you can see from where you are standing.