Rebuilding an inventory can feel overwhelming. Start room by room, then add the hobbies, collections, clothing, and belongings that made the home yours.

Room by Room.

YOUR DISASTER PLAYBOOK

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A personal property claim asks you to recreate years of belongings from memory. You do not need to remember everything at once or do it all yourself.

The next moves in our Disaster Playbook will help your household divide the work, remember what was there, understand how insurance values each item, and document purchases as you begin replacing what was lost.

Remembering a Life in Things.

YOUR INVENTORY OUTLINE

Begin room by room to create a basic outline of what was in the home. Then personalize it with hobbies, sports, clothing, tools, collections, family traditions, and other interests. Invite each person to focus on what they know best, from children listing their collections to each spouse documenting their own clothing.

1) Rebuild the Baseline.

Learn how depreciation, Actual Cash Value, and Replacement Cost Value affect your payment. Your insurer may pay the depreciated value first, then release additional funds after you replace the item and submit documentation.

2) Understanding Worth.

Use our FREE AI Inventory Tool to organize lost belongings, add important details, estimate values, and build a complete personal property inventory. Work in manageable sections and return as more items come to mind.

3) Build It.

As difficult as the circumstances may be, shopping for new belongings can be one of the more enjoyable parts of moving forward. Choose comparable replacements, pay attention to your policy requirements and deadlines, and keep every receipt and order confirmation.

4) Start Replacing!

Use our FREE Itemize Receipts Tool to extract and organize individual purchases from receipts, including receipts containing many different items. Match each replacement to your inventory, submit the documentation to your insurer, and track any remaining recoverable depreciation.

5) Itemize Receipts.

Being Told To List It Yourself

Your carrier will hand you a spreadsheet and expect you to remember, research, and value everything your family lost. That is not meaningful inventory support.

A complete personal property claim can include thousands and thousands of items. It should reflect the full history of your home, from televisions, furniture, clothing, hobbies, and collections down to the dishwashing detergent under the sink.

You should not have to rebuild that history alone.

Insurance Red Flag:

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888-488-LOTI (5684)

A 6 Star, Hassle-Free Experience.

Our licensed public adjusters simplify the complex claim process with trusted expertise, modern tools, and ongoing support through every stage of your recovery.

This is what a truly hassle free claim experience looks like.

To get started, we've gathered a few helpful AI enabled tools & articles, but feel free to reach out to us directly for immediate help.

Free AI Tools & Articles.

AI HOME INVENTORY

Build a complete home inventory from your photos and catalog. Our AI identifies items, organizes them into a structured record, and creates a detailed report you can use to support insurance claims and recovery.

The Smartest Home Inventory.

ITEMIZE RECEIPTS

AI HOME INVENTORY

ITEMIZE RECEIPTS

Build a complete home inventory from your photos and our 5,000+ item catalog. Our AI identifies items, organizes them, and creates a detailed report you can use to support insurance claims and recovery.

The Smartest Home Inventory.

Turn receipts into a structured record of expenses. We organize each receipt, extracts key details, and export a spreadsheet to work with.

Turn Long Receipts Into Claim Data.

ORIENTING AROUND THE REST

Replacement Cost

Personal Property Coverage

One of the most essential components of a homeowners insurance policy is Personal Property coverage, which provides financial protection for your personal belongings in the event they are damaged, destroyed, or stolen. This coverage applies to items such as furniture, electronics, clothing, and other personal effects. Understanding how Personal Property coverage works, what it covers, and how claims are processed is crucial for ensuring your possessions are adequately protected.

This detailed guide will explain Personal Property coverage, break down its key components, and provide specific examples to help you better understand how this coverage applies in various scenarios.

When you purchase homeowners insurance, your policy typically includes coverage for your personal property—your belongings like furniture, electronics, clothing, and more. However, the standard coverage usually reimburses you based on the Actual Cash Value (ACV) of these items, which means the payout reflects Depreciation over time. To ensure you can fully replace your belongings without factoring in depreciation, you can add a Replacement Cost Coverage for Personal Property Endorsement to your policy.

This detailed guide will explain what Replacement Cost Coverage for Personal Property is, how it works, and provide specific examples to help homeowners understand its importance and application.

Toys & Games

Toys and games, especially high-end collectibles or specialized play items, can accumulate significant value over time. Properly inventorying these items ensures they are protected in case of damage, loss, or theft.

This chapter provides a high-level overview of how to inventory toys and games, and organizes your inventory around a number of categories.

VISIT THE LEARNING HUB

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The Learning Hub is Loti’s free resource center and the largest recovery library of its kind. Originally created to help fellow survivors, it’s open to everyone and includes RallyBacks, glossaries, and downloadable tools with clear guidance for every type of incident.