Home Inventory for Insurance — Coverage Gap Calculator

After a fire, the burden of proof is yours. Not the insurer's. If you cannot show what was in the house, you do not get paid for it — and most households discover this at the worst possible moment.

This is the document that settles a claim faster and higher: a room-by-room record of what you own, priced at what it would cost to replace today.

The tab that makes this different

Most inventory templates are just a list. This one has a Coverage Check tab. Type in the limits from your declarations page and it tells you whether your policy actually covers what you logged — and flags the categories your policy quietly caps.

Because your homeowners policy almost certainly pays a maximum of $1,500 for all jewelry combined in a theft. And $2,500 for firearms. And $2,500 for silverware. Those limits are printed on page four of a document nobody reads. If your engagement ring is worth more than $1,500, this workbook will tell you tonight — while you can still do something about it.

What is inside

• Coverage Check — what you own versus what your policy pays, with special-limit warnings
• Inventory — 260 formatted rows with room and category dropdowns, serial numbers, purchase price and replacement cost
• Summary by Room — automatic totals, so you can see which room carries the value
• Policy & Documents — policy numbers, claims phone, and a step-by-step for the day you actually need it

Details

• Works in Microsoft Excel, Google Sheets, Apple Numbers and LibreOffice
• Instant download
• Built around US homeowners policies (HO-3 structure and special limits)
• Yours forever, single-user licence

An organizing tool, not insurance advice. Coverage and special limits vary by carrier and state — confirm against your own declarations page or with your agent.