You’ve bought insurance for a worst-case scenario. But having insurance is just one step. Taking an inventory of your possessions is another. 为什么? 万一被盗, 损失, or damage due to fire or a weather-related event, you’ll know what to claim—plus, it can prevent a delay in your claim. Here are some questions to consider when creating a record of your home inventory:

你的系统是什么?

Besides deciding what you would want to be replaced, figure out what process for cataloging works best for you. For example, you can make a spreadsheet or take videos and pictures using your smartphone. Check with your insurance company; they may have an app or online form available.

你应该从哪里开始?

Don’t let yourself get overwhelmed. Organize your inventory by room. Start with a small closet or the kitchen. 同时，让它成为一种习惯. When you get something new or get rid of something, update your inventory.

你应该包括什么?

Ask your insurance agent what documentation will be needed to make a claim. 你可能需要添加收据, 采购合同, 基本描述, 序列号, 制作和建模, and estimated cost in your records.

How Can You Keep the Inventory List Safe?

Store your inventory in a fireproof safe, an external drive, or an online storage account. Be sure it is a place that is easily accessible.

Hopefully, you won’t have an emergency that requires you to file a claim. But if you do, you’ll appreciate that you are prepared.