Home Inventory Tracker

Most home contents policies cap single-item claims unless you have specifically declared and valued the item. A laptop, an engagement ring, a road bike, a camera body: each can sit above the unspecified-item limit (typically £1,500). Without proof of value at the time of loss, insurers default to depreciated cash value and the cheque arrives a long way short of the replacement price.

Building a room-by-room list with current values turns a stressful claim into a paperwork exercise. The tracker starts with a Living Room category by default; add a kitchen, bedrooms, garage, loft, and home office. The total value field at the top updates as you add items, so you can sense-check it against your policy's contents limit. Households often discover their actual contents value sits 30 to 50 percent above what they insured.

A written list is the start; the proof is in the photos. Walk each room with your phone, open every cupboard, film every shelf in one take. Store the video and any high-value receipts in cloud storage rather than only on the phone, since burglars, fires and floods take the phone too. Update the list every January when you spot the new TV, sofa or kitchen appliance you forgot.

The free JPG download from this tool gives you a printable summary that fits in a folder with policy documents. Premium-tier exports add a structured PDF you can email straight to a loss adjuster. Either way, the value of an inventory is measured the day something goes wrong, not the day it is created.