Every New York City homeowner should have a home inventory. This simple list of property is invaluable when planning a move, starting renovations, renting your home or overseeing a family estate.  Home inventories are indispensable when buying homeowners insurance, because knowing the value of your belongings helps you purchase the right amount of coverage.

But a home inventory with photographs, descriptions and documentation is essential when the unexpected occurs. New York City homeowners face very real urban risks: extreme weather, floods, leaks, fire, smoke damage and theft. Insurance is the obvious first step in protection but it’s not enough. A properly prepared home inventory is your proof and evidence of ownership. It can expedite and simplify the claims process and help insurance adjusters determine the retail replacement value of your property. It makes sense to be proactive and prepared.