If you were asked to list everything in your home from memory, how confident would you feel? Chances are, a few things would slip through the cracks—especially after a stressful event like a fire, theft, or natural disaster.
That’s exactly why having a home inventory matters.
What Is a Home Inventory?
A home inventory is simply a detailed list (or digital record) of your personal belongings and their estimated value. It helps you keep track of what you own—and makes sure you’re properly protected if the unexpected happens.
While it’s easy to estimate the cost of your home’s structure, documenting everything inside can be trickier. From your furniture and appliances to collectibles and clothing, your personal property represents real value. A home inventory helps ensure those items are fully covered under your homeowners insurance.
Why a Home Inventory Matters
Creating a home inventory takes a bit of effort, but it can save you a lot of stress later on. Here’s why it’s worth it:
✅ 1. Helps You Choose the Right Coverage
You can’t insure what you don’t know you have. Having a complete list of your belongings helps your insurance agent determine the right amount of coverage—so you’re not underinsured when it matters most.
✅ 2. Makes Filing a Claim Easier
After a loss, it’s tough to remember every single item you owned. A home inventory takes out the guesswork, helping you file your claim faster and focus on what really matters—getting back to normal.
✅ 3. Simplifies Financial Recovery
If you’re applying for disaster assistance or tax relief, a documented list of your belongings can make proving your losses much easier. Think of it as your safety net for the paperwork that follows a major event.
How to Create a Home Inventory
It might sound like a big task, but building your home inventory is simpler than you think.
Here’s how to get started:
1. Start Small. Choose one room at a time, or begin with your most valuable items. To make it even easier, download Erie Insurance’s home inventory checklist here.
2. Take Photos or Videos. Snap pictures or record a quick walkthrough of each room, describing what you see.
3. Try an App. Tools like Sortly, Memento Database, or Nest Egg make it easy to organize and store your inventory in the cloud. If you’re a client of Blue Marsh, our app helps you create an inventory too!
4. Group Similar Items. No need to list every T-shirt—just record “10 pairs of jeans” or “12 dress shirts.”
5. Keep Receipts and Serial Numbers. These details help verify values for higher-cost items like electronics or appliances.
Peace of Mind, Backed by the Right Coverage
At Blue Marsh Insurance, we want you to rest easy knowing your home—and everything in it—is protected. Whether you’re creating your first home inventory or reviewing your current coverage, we’re here to help you make sure nothing is overlooked.
📞 Give us a call at 610-590-0152
💻 Or visit bluemarsh.com/insurance-quote/ to get started.
A little more about Blue Marsh Insurance…
When he founded Blue Marsh, Tom Davenport wanted to create a different kind of insurance company. One that’s built on personal relationships and a local presence. One where you, the customer, feel more like a friend.
As an independent insurance agency, Blue Marsh Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.
If you’re interested in starting a quote online or having us take a look at your current policies, click here!