If you ever file a claim after a fire, flood, or theft, your insurer will ask you to prove what you owned. A home inventory — a documented list of your belongings with photos and values — is the difference between a fast, full payout and a stressful back-and-forth. Here's a simple way to build one.
Work through one room at a time so nothing gets missed: living room, kitchen, each bedroom, garage, and storage. For each item, capture a photo, the estimated replacement value, and a serial or model number for anything electronic.
Electronics, appliances, jewelry, tools, and furniture matter most. But adjusters also see people forget the small stuff that adds up — kitchenware, clothing, and decor. Photos make these credible without itemizing every fork.
A list stored only on paper in a drawer is useless after a fire. Keep a digital copy off-site — and export a PDF backup you can email to yourself or your agent.
Toolkind's free Home Inventory runs in your browser, works offline, and keeps your photos private on your device. Snap a photo per item, add a value, and export an insurer-ready PDF with a total and a picture of everything — no account, no upload.
Start your free home inventory