Once you have created your home
inventory, store the information off
the premises. You can keep the
information in a bank safe deposit
box and on your downloaded app.
Store electronic copies of your
insurance policies with your home
inventory. Make a list that includes
your policy numbers, insurer and
insurance agent's phone numbers,
website addresses and mailing
addresses. Store this information
offsite or on your phone for easy
access.
OUT17304 - Rev. 3/18
Damage caused by ooding – including
ground water seepage – is generally not
covered by a standard homeowners or
renter's insurance policy. For information
about ood insurance, contact a local
agent or visit the website of the Federal
Emergency Management Agency at
www.fema.gov.
The National Weather Service has a
brochure with information about preparing
for tornadoes, severe thunderstorms, and
oods. The Red Cross and Ready.gov
have suggestions for putting together a
disaster kit.
The NAIC has free Disaster Prep Guides
that aim to help consumers determine the
best course of action before, during and
after a disaster strikes. The free guides
can be found at www.insureuonline.org/
insureu_special_disaster.htm
Additional information is also available on
the Department’s website at
www.doi.nebraska.gov.
Home Inventory
Checklist
Department of Insurance website:
home inventory spreadsheet
Or
Download NAIC free app for iPhone®
myHOME Scr.APP.book
Good Life. Great Opportunity.
DEPARTMENT OF INSURANCE
PO Box 82089
Lincoln, NE 68501-2089
Toll-free hotline: 1-877-564-7323
Local phone: 402-471-2201
www.doi.nebraska.gov
Does my policy provide for
replacement cost coverage?
Will the insurer pay the full cost of
replacing my roof or will it factor in
depreciation for the age of the roof?
Do I have possessions, for example,
jewelry, electronic equipment, or
antiques, that may exceed normal
coverage limits?
If I live in an older home, do I have
ordinance or law coverage to pay for
upgrades necessitated by changes in
city codes after the home was built?
If I have to vacate my home, will my
additional living expenses be
covered?
Are my outbuildings and farm
implements covered?
If you do not know the answer to these
questions, contact your insurance
agent or your insurance company for
assistance.
You can access “A Consumer’s Guide to
Home Insurance” on the website of the
National Association of Insurance
Commissioners (NAIC) at www.naic.org.
Complete an inventory of all of your
belongings to make the claims
process easier.
Be sure to include identifying
information about your possessions
(brand name, price, date of purchase,
model, serial number and receipts)
and take photos.
A home inventory spreadsheet can be
found on the Department’s website, or
a checklist can be downloaded from
the free NAIC myHOME Scr.APP.book
app for iPhone®.
If you do not have time to create a full
list of the items in your home, consider
taking time to videotape and/or take
photographs in every room. The more
detail you include, the easier it will be
for your insurer to evaluate your loss.
When making your list, be sure to open
drawers and closets. Do not forget to
document what is in your basement,
garage and storage buildings.
Examine your policy at least once a year to
make sure you know what is and is not
covered.
Ask yourself the following questions:
Is my deductible the same for all perils
or is there a different deductible for
damage caused by wind and hail?
Do I have enough coverage to rebuild in
the event my home is destroyed?
