Creating a household inventory list before a move will help protect your personal belongings and keep you organized during the process. A home inventory will be essential if anything happens to your belongings during your move and you need to file an insurance claim to document proof of ownership. The goal isn’t perfection, but having a clear, usable record you can access quickly.
A solid inventory for moving includes three parts: photo documentation, a catalog of your belongings, and a home inventory valuation. You can use a home inventory app, a spreadsheet, or a simple home inventory template. The best option is the one you’ll actually keep updated.
What is a home inventory, and why do I need one?
A home inventory is a record of your home’s contents. It can be organized by room and typically includes descriptions, photos, receipts, serial numbers, and estimated values. Additionally, preparing an inventory may help during your move planning as you make packing decisions, track items, and manage your belongings.
An inventory list for insurance purposes supports the claims process by documenting what you own and its approximate value. That matters for both replacement-cost and actual-cash-value policies and can reduce disputes over depreciation.
Tip: Start with rooms that contain higher-value items, such as the kitchen, primary bedroom, or home office.
How do you create a home inventory for insurance purposes?
Start by choosing a format that fits your habits. Some people prefer a digital home inventory using an app, while others rely on a spreadsheet. Whichever you choose, keep the documentation process consistent across rooms.
For each item, record a description, brand, and model when relevant. Attach receipts or warranties when available and keep everything in cloud storage so it’s accessible during and after your move.
Tip: Keep all inventory files in one folder and use consistent file names for each room.
What is the best way to catalog household items?
The most efficient way to organize a home inventory is to work room by room. Begin with large items, then group smaller items together. Each item does not need to be listed individually. Rather, you can include categories of items, such as kitchenware or linens.
Be specific for your more valuable items. Include serial numbers, model details, and identifying notes in your inventory for these items. This will ensure accurate records and help confirm ownership after delivery.
Tip: Take a picture of closets and drawers, then document only the high-value items inside.
Should I take photos or videos for a home inventory?
It’s helpful to include both photos and videos in your home inventory. Photos of your belongings can help document details, such as condition, labels, and serial numbers. Conducting a video walkthrough helps record which items were in each room before your move.
Both can help prevent loss and minimize risk by setting a clear baseline before you start packing. There are some mobile apps available to help you upload images and videos directly into a digital home inventory.
Tip: Narrate video walkthroughs to highlight items you want documented for insurance coverage.
How detailed should my inventory be?
Your inventory should be detailed enough to support valuation without becoming overwhelming. Group everyday items when possible, but document valuable items individually with photos and notes.
If an item is expensive or difficult to replace, it deserves more detail. This is where a structured home inventory template helps prevent gaps.
Tip: If you’re unsure about an item’s value, research it more thoroughly now rather than later.
Are home inventory apps better than spreadsheets?
Home inventory apps are convenient and mobile-friendly, making photo documentation and quick updates easier. They work well if you want a guided, digital process.
A home inventory spreadsheet offers more flexibility and control, especially for valuation and long-term asset management. Many people use apps for photos and spreadsheets for the master list.
Tip: Choose the tool you’re most likely to maintain after the move.
How do you value personal belongings?
Home inventory valuation usually includes replacement cost and actual cash value. Replacement cost reflects today’s price for a comparable item, while actual cash value factors in depreciation.
If you have filed your receipts, reviewing them for purchase cost and researching current pricing and documenting purchase dates and condition will help you determine accurate valuation. This will provide helpful information when you decide on insurance coverage options or need to submit claims for damaged items.
Tip: Update values for electronics and appliances right before your move.
How does a home inventory help with insurance claims?
A household inventory list provides proof of ownership and value if items are lost or damaged. It can speed up the claims process and reduce follow-up questions by showing what you had and how you valued it.
Beyond moving, inventories also support disaster preparedness and long-term home organization.
Tip: Keep your inventory accessible during transit by saving it in cloud storage and on your phone.
Using a home inventory to move with confidence
A detailed home inventory provides clarity and control when your household is in motion. With photos, a clear catalog, and realistic home inventory valuation, you’re better prepared for packing, delivery verification, and insurance documentation. When you’re ready to move, an experienced, professional moving partner can help you plan and execute a move that protects your personal belongings from start to finish.