Do you store or see my inventory?

No. The tool runs in your browser, nothing is uploaded or emailed, and it asks for counts and totals rather than item details.

Do I need receipts for everything?

No. For everyday goods a photo that shows the item and its condition is a reasonable record. Receipts help on high-value, recent or unusual items, where the model and age set the price. Ask your agent what documentation your insurer wants.

Are all my belongings covered up to my contents limit?

Not necessarily. Homeowners forms set special limits on some categories. The ISO specimen HO-3 (HO 00 03 04 91) caps money at $200 and jewelry theft at $1,000, whatever your overall limit. Your policy may differ; scheduling an item can raise its coverage.

Water is already in the house. Is it too late?

Not for evidence. Before anything is moved or thrown away, photograph each room, the damaged items and their labels. Ask your insurer before discarding anything, and keep samples of materials if you can.

Does HyreRestore value contents or handle claims?

No. HyreRestore holds no pricing data, does not appraise, adjust claims or do restoration work. This scores a record you keep yourself; the valuation is between you and your insurer.

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Home inventory, scored on evidence

For homeowners and renters building or checking a list of belongings before a loss, or right after one. Type counts and totals only; nothing leaves your browser.

Could delay a claim payment, with no home inventory Texas Department of Insurance: “Not having a home inventory could delay your claims payment.” Retrieved September 29, 2026.

A contents claim is paid on the items you can show, so a home inventory is only as good as its photos and its off-site copy. Personal property coverage (Coverage C on an HO-3) pays against a list of items with descriptions, ages and values, at actual cash value or replacement cost.

Special limits cap cash, jewelry theft and some other categories. This tool scores your photo coverage and prices the gap.

Check your documentation

Counts and totals only. Nothing is uploaded, stored or emailed.

— Do this next

— Documentation coverage

— Listed but not photographed

— Photographed value

— Listed replacement value

— Depth per room

What this assumed —

Scores documentation, not value. Not a valuation, an appraisal or a claim submission.

Why a contents claim is settled on evidence

The building can be seen and measured after a loss. Belongings that burned or were thrown out cannot, so the list you make beforehand does the work.

Memory is a poor record after a loss. A house holds thousands of items, and a flooded or burned house is a bad place to recall them. A list made calmly beforehand is worth more than one made afterwards.

The schedule is what gets paid. A contents claim is built from a list of items with descriptions, ages and values. Where the list is thin, there is less to price. The Texas Department of Insurance puts it plainly: “Not having a home inventory could delay your claims payment.”

Video is the fastest record. Walk each room with a phone, open closets and drawers, and say what things are and roughly when you bought them. Photograph serial numbers on appliances and electronics. Receipts matter for the few items where age and model set the value.

The copy has to leave the building. An inventory kept only on a laptop in the house is gone in the same fire. TDI’s advice: “Store your inventory away from home with a family member or close friend or keep it online in cloud storage or email.”

How to build a home inventory in an afternoon

In order of value for the time spent. The first two can be done today.

Video every room, narrating as you go
Lights on, slowly. Open closets, cabinets, drawers, the garage and the shed. Say what things are and roughly when you bought them.
Get a copy off the property straight away
Cloud storage, an email to yourself, or a copy with a relative. An inventory that burns with the house is not an inventory.
Photograph serial numbers and model plates
Appliances, electronics, tools. They turn “a television” into a specific model with a specific replacement cost.
List high-value items properly
Jewelry, art, collections, instruments, cameras. These can carry a special limit in your policy; some need to be scheduled to be covered at full value.
Keep receipts where they change the number
For everyday goods a photo is enough. Receipts help on high-value, recent or unusual items.
Update it when something big changes
After a large purchase, a move, or once a year. An inventory a year or two old is far better than none.

Where contents coverage is narrower than the headline limit

The ISO specimen HO-3 (HO 00 03 04 91) caps these categories per loss, whatever your overall personal property limit. These are the 1991 specimen figures: your policy may use a newer form or different amounts, so check your own.

Category	Limit in the HO 00 03 04 91 specimen	What to do
Money, coins, bullion	$200 per loss	Do not rely on contents coverage for cash. Note the limit and plan around it.
Jewelry, watches, furs, precious stones	$1,000 for loss by theft	Photograph and appraise the significant pieces, and ask about scheduling them.
Firearms	$2,000 for loss by theft	Serial numbers and photos; ask whether a schedule is needed.
Silverware, goldware, pewterware	$2,500 for loss by theft	Photos and any appraisals, stored off-site with the inventory.
Business property at home	$2,500 on the premises, $250 away from it	If you work from home, ask your agent what is covered before a loss.
Deeds, passports, personal records	$1,000, including the cost to replace the information	Scan them and keep the scans with the off-site copy.

Art, antiques and collections are not a special-limit category in this specimen, but their value rests on provenance and condition. Keep appraisals and provenance papers with the inventory.

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<iframe src="https://hyrerestore.com/tools/contents-inventory/" title="Home Contents Inventory Check by HyreRestore" width="100%" height="900" style="border:0;max-width:100%" loading="lazy"></iframe>
<p><a href="https://hyrerestore.com/tools/contents-inventory/">Home Contents Inventory Check</a> by HyreRestore</p>

Questions about home inventories

Why score documentation instead of value?: Because the settlement is built from what you can show. A contents claim is priced from a list of items with descriptions, ages and values; where the list is thin there is less to price. Your total says what you own; the coverage figure says what you could prove.
Do you store or see my inventory?: No. The tool runs in your browser, nothing is uploaded or emailed, and it asks for counts and totals rather than item details.
What is the fastest way to build an inventory?: A narrated video. Walk each room with your phone, open closets and drawers, say what things are and roughly when you bought them, and film serial numbers. Then email it to yourself or put it in cloud storage.
Do I need receipts for everything?: No. For everyday goods a photo that shows the item and its condition is a reasonable record. Receipts help on high-value, recent or unusual items, where the model and age set the price. Ask your agent what documentation your insurer wants.
Are all my belongings covered up to my contents limit?: Not necessarily. Homeowners forms set special limits on some categories. The ISO specimen HO-3 (HO 00 03 04 91) caps money at $200 and jewelry theft at $1,000, whatever your overall limit. Your policy may differ; scheduling an item can raise its coverage.
Water is already in the house. Is it too late?: Not for evidence. Before anything is moved or thrown away, photograph each room, the damaged items and their labels. Ask your insurer before discarding anything, and keep samples of materials if you can.
Does HyreRestore value contents or handle claims?: No. HyreRestore holds no pricing data, does not appraise, adjust claims or do restoration work. This scores a record you keep yourself; the valuation is between you and your insurer.

Sources and methodology

Figures dated September 29, 2026. Last reviewed September 29, 2026.

A home inventory: Why you need it and how to do it (Texas Department of Insurance, retrieved September 29, 2026). The payment delay, the room-by-room video, serial numbers and where to store the copy.
Homeowners 3, Special Form (HO 00 03 04 91, specimen) (Insurance Services Office, via Heritage Property & Casualty, retrieved September 29, 2026). Section I, Coverage C, Special Limits of Liability. A 1991 specimen; your policy may differ.

ACV vs RCV calculator Whether the age of an item reduces what you receive.
Claim timeline When a contents list is needed on a claim.
Contents restoration Pack-out, cleaning and what can be saved.
What homeowners insurance covers Personal property coverage and its limits.
Should I file? Whether a small contents loss is worth a claim.

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