Home Inventory: How Detailed?
June 25, 2009 7:46 PM Subscribe
How detailed does my home inventory need to be for insurance purposes?
posted by Lauram to Work & Money (10 answers total) 8 users marked this as a favorite
I have a co-op apartment and insurance for the contents. In compiling a home inventory, do I need to list every pot, plate, pillowcase and spoon? These items aren't worth much and I don't have receipts for a lot of them, but if my building burns to the ground I'll still have to replace every last one. It seems like insurance companies would probably pay for stuff like this in a lump sum, but I don't know anyone who's had to file a claim for a total loss, so I can't be sure. Would the company pay out itemized reimbursements for major items like TVs, air conditioners, artworks, etc., and then a bulk sum to replace basic items like dishes and towels? Or does every item need to be listed?