Tips for a contents list that holds up
- Go room by room, including closets, the garage, attic and outdoor areas.
- Record brand, model and size where you can — “55-inch Samsung QLED” prices more accurately than “TV”.
- Use current like-kind-and-quality replacement prices, not what you paid years ago.
- Keep photos or video of damaged items before disposal, and note anything a mitigation company removed.
- Separate items with special limits (jewelry, firearms, collectibles, business property) and check your policy’s sub-limits.
How the ACV estimate is calculated
Each category carries a typical service life, and the builder applies straight-line depreciation with a 20% floor (no item drops below 20% of its replacement cost). Real insurer depreciation tables vary, so treat ACV as a ballpark. Replacement cost policies generally pay the withheld depreciation after items are replaced — see the ACV calculator.
Frequently asked questions
Is my inventory stored online?
No. It is saved only in your browser’s local storage on this device. Export a CSV to keep a copy or share it with your adjuster or appraiser.
Can contents be included in an appraisal?
Yes. If you and the insurer disagree on the value of covered personal property, that amount can be part of the appraisal, subject to your policy terms.
Do I need receipts?
Receipts help but aren’t always required. Photos, bank or card statements, product manuals and online order history are all useful proof of ownership and value.
Estimates only, for general planning. Results depend on your policy, your property and current pricing. Not legal advice.