{"product_id":"home-inventory-for-insurance","title":"Home Inventory for Insurance — Coverage Gap Calculator","description":"\u003cp\u003e\u003cstrong\u003eAfter a fire, the burden of proof is yours.\u003c\/strong\u003e 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.\u003c\/p\u003e\n\n\u003cp\u003eThis 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.\u003c\/p\u003e\n\n\u003ch3\u003eThe tab that makes this different\u003c\/h3\u003e\n\u003cp\u003eMost inventory templates are just a list. This one has a \u003cstrong\u003eCoverage Check\u003c\/strong\u003e 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.\u003c\/p\u003e\n\u003cp\u003eBecause your homeowners policy almost certainly pays a maximum of \u003cstrong\u003e$1,500 for all jewelry combined\u003c\/strong\u003e 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.\u003c\/p\u003e\n\n\u003ch3\u003eWhat is inside\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eCoverage Check\u003c\/strong\u003e — what you own versus what your policy pays, with special-limit warnings\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eInventory\u003c\/strong\u003e — 260 formatted rows with room and category dropdowns, serial numbers, purchase price and replacement cost\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSummary by Room\u003c\/strong\u003e — automatic totals, so you can see which room carries the value\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePolicy \u0026amp; Documents\u003c\/strong\u003e — policy numbers, claims phone, and a step-by-step for the day you actually need it\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eDetails\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eWorks in Microsoft Excel, Google Sheets, Apple Numbers and LibreOffice\u003c\/li\u003e\n\u003cli\u003eInstant download\u003c\/li\u003e\n\u003cli\u003eBuilt around US homeowners policies (HO-3 structure and special limits)\u003c\/li\u003e\n\u003cli\u003eYours forever, single-user licence\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003cp\u003e\u003csmall\u003eAn organizing tool, not insurance advice. Coverage and special limits vary by carrier and state — confirm against your own declarations page or with your agent.\u003c\/small\u003e\u003c\/p\u003e","brand":"Sparrowstead","offers":[{"title":"Digital download","offer_id":58713394741593,"sku":"SS-INV-01","price":19.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1066\/6187\/1961\/files\/sparrowsteadinventory.png?v=1785327748","url":"https:\/\/sparrowstead.com\/products\/home-inventory-for-insurance","provider":"Sparrowstead","version":"1.0","type":"link"}