Home Inventory Worksheet & Insurance Document Checklist
If your home is damaged or destroyed, your insurance company will ask you to list what was in it — from memory, while you're displaced and stressed. A home inventory done before anything happens is the single best document you can hand an adjuster: it speeds up your claim and helps you get paid for what you actually owned. Florida's Department of Financial Services and the Insurance Information Institute both recommend exactly what this worksheet captures — item descriptions, brand and model, serial numbers, purchase dates and prices, backed up by photos.
This page is the worksheet. It's free, printable, and there's no email signup — use the button below (or your browser's Print → Save as PDF) and fill it in by hand or on paper. Realtors, lenders, HOAs, and community groups: you're welcome to link to this page for your clients and neighbors.
Part 1 — Your home & policies
Homeowner name(s):
Property address:
Phone:
Email:
Home insurer:
Home policy #:
Flood insurer:
Flood policy #:
Auto insurer:
Auto policy #:
Agent name & phone:
Inventory date / last updated:
Part 2 — Room-by-room inventory
Work one room at a time. For big-ticket items — TVs, appliances, computers, jewelry — always write down the serial number (usually on a plate or sticker on the back or bottom). For clothing and kitchen basics, count by category instead of listing every piece ("8 pairs of jeans," "service for 12"). Photograph each room and each valuable item, and check the Photo box as you go.
Living Room
| Item | Brand / Model | Serial # | Bought (date) | Price paid | Est. value | Photo |
|---|---|---|---|---|---|---|
| Sofa / sectional | ||||||
| Television | ||||||
| Coffee table / end tables | ||||||
Room total (est. value): $ ____________
Kitchen & Dining
| Item | Brand / Model | Serial # | Bought (date) | Price paid | Est. value | Photo |
|---|---|---|---|---|---|---|
| Refrigerator | ||||||
| Range / oven | ||||||
| Dishwasher | ||||||
| Dining table & chairs | ||||||
Room total (est. value): $ ____________
Primary Bedroom
| Item | Brand / Model | Serial # | Bought (date) | Price paid | Est. value | Photo |
|---|---|---|---|---|---|---|
| Bed & mattress | ||||||
| Dresser / nightstands | ||||||
| Television | ||||||
Room total (est. value): $ ____________
Bedroom 2
| Item | Brand / Model | Serial # | Bought (date) | Price paid | Est. value | Photo |
|---|---|---|---|---|---|---|
| Bed & mattress | ||||||
| Dresser / nightstands | ||||||
Room total (est. value): $ ____________
Bedroom 3 / Home Office
| Item | Brand / Model | Serial # | Bought (date) | Price paid | Est. value | Photo |
|---|---|---|---|---|---|---|
| Desk & chair | ||||||
| Computer / laptop | ||||||
| Printer / monitor | ||||||
Room total (est. value): $ ____________
Bathrooms & Laundry
| Item | Brand / Model | Serial # | Bought (date) | Price paid | Est. value | Photo |
|---|---|---|---|---|---|---|
| Washer | ||||||
| Dryer | ||||||
| Water heater (if owned) | ||||||
Room total (est. value): $ ____________
Garage, Patio & Outdoors
| Item | Brand / Model | Serial # | Bought (date) | Price paid | Est. value | Photo |
|---|---|---|---|---|---|---|
| Lawn mower / tools | ||||||
| Patio furniture | ||||||
| Grill | ||||||
Room total (est. value): $ ____________
Additional Room: ____________
| Item | Brand / Model | Serial # | Bought (date) | Price paid | Est. value | Photo |
|---|---|---|---|---|---|---|
Room total (est. value): $ ____________
GRAND TOTAL (all rooms, est. value): $ ____________
Compare that total to the personal property (Coverage C) limit on your homeowners declarations page. If your stuff is worth more than your limit — or close to it — talk to your agent before a loss, not after.
Part 3 — Insurance document checklist
Check off each document as you gather it. Keep the set in a waterproof, fire-resistant container you can grab in an evacuation, and keep a second copy outside the home — a cloud folder, a safe deposit box, or with a trusted family member. If this list lives only in the house it protects, it fails exactly when you need it.
Insurance documents
- Homeowners policy — declarations page
- Flood policy — declarations page (separate from homeowners)
- Auto policy — declarations page(s)
- Umbrella / other policies
- Agent name, phone, and email
- Carrier claim phone numbers (home / flood / auto)
- Wind mitigation inspection report
- Roof documentation (age, permits, invoices)
- Photos & video walkthrough of the home (dated)
- This home inventory worksheet (completed)
Property & financial records
- Deed / closing documents
- Mortgage statement (lender + loan #)
- HOA / condo association documents
- Property tax bill
- Bank account list (institution + type, no passwords)
- Recent tax return
- Vehicle titles & registrations
Personal & family documents
- Driver's licenses / state IDs (copies)
- Passports (copies)
- Birth certificates / Social Security cards
- Marriage certificate
- Wills / powers of attorney
- Medical insurance cards
- Pet records (vet, vaccinations)
Valuables documentation
- Appraisals (jewelry, art, collectibles)
- Receipts for major purchases
- Warranty cards / manuals for appliances
- Photos of serial-number plates (appliances, electronics)
Part 4 — The 20-minute photo & video walkthrough
- Start outside. Photograph all four sides of the home, the roofline if visible, outbuildings, and the yard.
- Walk every room slowly with video. Narrate as you go — what things are, where you bought them, roughly when, and anything unusual or valuable.
- Open everything. Closets, drawers, cabinets, the garage, the attic. Adjusters can't pay for what they can't see existed.
- Close up on serial plates. Photograph the model/serial stickers on appliances, TVs, computers, HVAC equipment, and power tools.
- Back it up the same day. Upload the video, photos, and this worksheet to cloud storage and confirm you can open them from a different device.
- Update it once a year — hurricane season (June 1) is a good annual reminder — and after any major purchase.
Sources
- Florida Department of Financial Services, Insurance Consumer Advocate — Prepare — inventory your household items with receipts, photos, videos, purchase dates, and serial numbers; store copies of the inventory and policies in a safe place
- Insurance Information Institute — How to create a home inventory — an up-to-date inventory helps settle claims faster, verifies losses, and helps you buy the right amount of coverage
This worksheet is a free general-information resource from AssureBay, not insurance advice about any specific policy. Questions about your coverage? Ask us for a free review.