When Disaster Strikes, Will You Remember Everything You Own?
If your home was damaged or destroyed by fire, theft, or a natural disaster—would you be able to list every single item you lost? Most people can’t. That’s why creating a home inventory is one of the most important yet overlooked steps in protecting your home and belongings.
At The Slocum Agency, we’ve seen firsthand how having a detailed home inventory can make the claims process smoother and faster. Whether you're in Warwick, Providence, or anywhere in Rhode Island, having an up-to-date home inventory can save you time, money, and stress.
What Is a Home Inventory?
A home inventory is a detailed list of everything you own inside your home and other structures (like a garage or shed), including descriptions, purchase prices, serial numbers, and photos or receipts. It can be as simple as a spreadsheet or as advanced as an app-based digital catalog.
Why a Home Inventory Matters for Your Insurance Coverage
Here’s how a home inventory supports your Rhode Island homeowners insurance:
✅ Faster Claims Processing
After a loss, your insurance company will need details about what was damaged or stolen. A home inventory provides a ready-made list that speeds up the process and helps you recover faster.
✅ More Accurate Coverage
An inventory helps your insurance agent ensure your personal property coverage limit is high enough to replace all your belongings—not just what you remember off the top of your head.
✅ Better Proof of Ownership
Photos, serial numbers, and receipts serve as evidence if there’s ever a dispute during the claims process, especially for high-value items like jewelry, electronics, or collectibles.
✅ Support During Stressful Times
Trying to recall every item you owned while coping with a disaster is incredibly difficult. An inventory takes that pressure off your shoulders when you need peace of mind the most.
What to Include in Your Home Inventory
Think beyond the big-ticket items. Include:
Furniture and electronics
Appliances (large and small)
Clothing, shoes, and accessories
Jewelry and watches
Tools and gardening equipment
Art, collectibles, and decor
Items in storage or off-site units
Sports or hobby equipment
Kitchenware and home goods
Bonus tip: Don’t forget items in attics, basements, sheds, and garages—those often go unaccounted for in claims.
How to Create Your Home Inventory
You don’t need to finish it all in one day. Here’s a simple plan:
Pick a Room to Start: Go room by room, starting with your most valuable areas (like the living room or kitchen).
Document Everything: Take clear photos or videos. Note brands, models, and serial numbers.
Save Receipts: Scan or photograph purchase receipts and warranties.
Use a Digital Tool: Apps like Sortly, Encircle, or even Google Sheets can help you stay organized.
Store It Safely: Keep a copy in the cloud, email it to yourself, or store a printed version in a fireproof safe.
Keeping It Updated
A home inventory is only helpful if it’s up to date. Revisit it once a year or after big purchases or renovations. At Slocum Insurance, we recommend setting a calendar reminder each spring or fall—whenever it’s easier for you to remember.
How The Slocum Agency Can Help
If you're not sure whether your current homeowners policy offers enough personal property coverage—or if you’d like help reviewing your home inventory—we’re here for you.
As a trusted independent insurance agency in Warwick, Rhode Island, we’re committed to helping local families protect what matters most. From providing homeowners insurance guidance to assisting with claim preparation, we’re your local partner every step of the way.
Don’t wait until it’s too late. Start your home inventory today—and let The Slocum Agency help make sure your Rhode Island homeowners insurance has you fully covered.
📞 Call us at (401) 738-3366 or visit slocumins.com to schedule a review with one of our insurance counselors.
