Ohio Homeowner and Renter Insurance Inventory Guide
Produced by the Ohio Department of Insurance
1-800-686-1526 www.ohioinsurance.gov
Insurance definitions
Peril: the cause of a loss (examples: fire, explosion, tornado, theft). Deductible: the part of a loss that you must pay for yourself. Appraisal: an independent judgment of the value of your loss. Actual cash value: the amount a damaged or stolen item was worth at the time of the loss. The formula for actual cash value (ACV) is replacement cost minus depreciation. Replacement cost: a determination of the cost to replace contents, rebuild your home or repair damages with materials of like kind and quality at today/s prices without subtracting for depreciation.
Make your home safer
• Make a map of alternative fire exits from every room in your house. • Have fire drills with all family members. • Install smoke detectors and fire extinguishers on each floor. Check them regularly. • Install deadbolt locks on all exterior doors. Put metal or wooden rods in the lower track of sliding doors. Your insurance company may offer discounts for taking these precautions.
1
Make it easier to collect insurance claims
• Use this book to make an inventory: a list of everything you own. • Don’t keep your inventory in your house. Use a safety deposit box or some other safe location. These records will help you prove your loss in case of disaster.
Please note
Special Limits of Liability in your policy may limit how much your insurance company will pay for a covered loss. Please refer to your policy for specifics. Below are examples of limits your policy MAY have. If you wish to insure your personal property for more than the limits your policy specifies, talk to your insurance agent about how. • $220 on money, coins and medals • $1,000 on property used or intended for use in a business • $1,000 on securities, checks, money orders and other negotiable instruments • $1,000 on watercraft of all types • $1,000 on trailers not used with watercraft • $2,500 on stamps, trading cards and comic books • $2,500 for loss by theft of firearms • $2,500 for loss by theft of silverware and goldware • $5,000 for any data processing system • $5,000 for loss by theft of any rug, carpet, tapestry and wall hanging
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Kitchen
Item
AC unit (window) Appliances Blender Coffee maker Dishwasher Electric can opener Electric mixer Freezer Microwave Radio Range Refrigerator Slow cooker Television Toaster Other Blinds/shades Brooms/mops Cabinets/contents Chairs Curtains Dishes Floor coverings Groceries Tables Utensils
# Date bought
Cost
Rcpt?
3
Dining room
Item
AC unit (window) Blinds/shades Cabinets Cabinet contents Chairs China Clocks Crystal Curtains/drapes Floor coverings Glassware Lamps Linens Mirrors Pictures/paintings Silverware Tables Other
# Date bought
Cost
Rcpt?
4
Family room
Item
AC unit (window) Blinds/shades Bookcases/books Cabinet Cabinet contents Cameras CD player/CDs Chairs Chests/contents Clocks Computer, etc. Curtains/drapes Desks DVD player/DVDs Fireplace fixtures Floor coverings Games Glassware Lamps Mirrors Piano/instruments Pictures/paintings Records/tapes/etc. Sewing machine Sofas Stereo equipment Tables Television VCR/ tapes Walkman Wall units
# Date bought
Cost
Rcpt?
5
Living room
Item
AC unit (window) Blinds/shades Bookcases/books Cabinets/contents Cameras CD player/CDs Chairs Chests/contents Clocks Curtains/drapes Desks DVD player/DVDs Fireplace fixtures Floor coverings Lamps Mirrors Piano/instruments Pictures/paintings Records/CDs Sofas Stereo equipment Tables Television VCR/tapes Wall units Other
# Date bought
Cost
Rcpt?
6
Bedroom #1
Item
AC unit (window) Beds/bedding Blinds/shades Bookcases CD player/CDs Chairs Chests Clocks Curtains/drapes Desks DVD player/DVDs Floor coverings Lamps Mirrors Pictures/paintings Radio/stereo Tables Television VCR/tapes Clothing Blouses/shirts Coats Dresses Nightwear Pants/skirts Shoes/socks Suits Sweaters Underwear/hosiery Other
# Date bought
Cost
Rcpt?
7
Bedroom #2
Item
AC unit (window) Beds/bedding Blinds/shades Bookcases CD player/CDs Chairs Chests Clocks Curtains/drapes Desks DVD player/DVDs Floor coverings Lamps Mirrors Pictures/paintings Radio/stereo Tables Television VCR/tapes Clothing Blouses/shirts Coats Dresses Nightwear Pants/skirts Shoes/socks Suits Sweaters Underwear/hosiery Other
# Date bought
Cost
Rcpt?
8
Bedroom #3
Item
AC unit (window) Beds/bedding Blinds/shades Bookcases CD player/CDs Chairs Chests Clocks Curtains/drapes Desks DVD player/DVDs Floor coverings Lamps Mirrors Pictures/paintings Radio/stereo Tables Television VCR/tapes Clothing Blouses/shirts Coats Dresses Nightwear Pants/skirts Shoes/socks Suits Sweaters Underwear/hosiery Other
# Date bought
Cost
Rcpt?
9
Office
Item
AC unit (window) Bookcases CD player/CDs Chairs Chests Clocks Computer Computer monitor Computer software Curtains/drapes Desks DVD player/DVDs Floor coverings Lamps Mirrors Pictures/paintings Radio/stereo Tables Television VCR/tapes Other
# Date bought
Cost
Rcpt?
10
Bathroom #1
Item
Bath mat Cabinets Cabinet contents Clothes hamper Curtains/drapes Electric razor Floor coverings Hair dryer Linens/towels Scale Tables Toilet articles Other
# Date bought
Cost
Rcpt?
Bathroom #2
Item
Bath mat Cabinets Cabinet contents Clothes hamper Curtains/drapes Electric razor Floor coverings Hair dryer Linens/towels Scale Tables Toilet articles Other
# Date bought
Cost
Rcpt?
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Basement
Item
Chairs Dehumidifier Freezer Furniture Humidifier Refrigerator Stereo Television Washer/dryer Work room Benches Cabinets Chairs Hand tools Hardware Hoses Ladders Power tools Drills Router Sander Saws Other
# Date bought
Cost
Rcpt?
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Storage areas
Item
Closets Fans Furniture Holiday trimmings Luggage Portable heaters Storage trunks Garage Auto parts Bicycles Garden tools Lawn mower Snow blower Storage trunks Tires Tools Porch / Patio Barbecue grill Chairs Lawn furniture Picnic table Other
# Date bought
Cost
Rcpt?
Miscellaneous
Item # Date bought Cost Rcpt?
Home contents inventory for
_______________________________________________________ (name) _______________________________________________________ (address) Homeowner / Renter insurance information _______________________________________________________ (policy number) _______________________________________________________ (insurance company) _______________________________________________________ (agent) Phone: ____________________ (company) ____________________ (agent)
Call or go online for these shopper’s guides from the Ohio Department of Insurance: • Homeowner/Renter • Automobile • Medicare Supplement • Long-Term Care • Health • Life • Annuities Contact us with questions or complaints: 1-800-686-1526 • www.ohioinsurance gov