Best home inventory apps to protect your property in case of emergency

From fast-moving wildfires and flash floods to hurricanes and severe storms, disasters can force families to leave home with little warning. When every minute matters, getting your loved ones and pets to safety comes first. Once the immediate danger passes, however, rebuilding often depends on being able to show your insurance company exactly what was damaged or lost. Creating a detailed home inventory before an emergency can save time, reduce stress and make the claims process easier when you need help most.

Why keeping track of your home inventory matters

Home inventory and restoration apps can provide you with a tool to itemize and track every item in your home preventatively. Not only can these apps help you stay organized and fiscally responsible for everyday home projects, but they can also help you easily determine what you need to grab and where it would be when you have limited time to grab items to take with you when you evacuate. It is important to determine where and what to prioritize, especially if your home is at risk. These apps can centralize all your home information so that you can stay within budget for home projects and maintenance work, and they can help you should you ever have to submit a claim after any disaster. It can also help you keep your home safer with routine maintenance. Additionally, creating a home inventory can help you determine if you have the appropriate amount of insurance coverage. Some apps allow you to upload important documentation for your home in general or specific items. This means if you ever deal with the worst-case scenario and cannot grab all the important home documents, your apps will have them stored for you and accessible by phone or computer.

Does your home insurance still match what you own?

A home inventory does more than help you document a loss. It can also reveal whether your current home insurance provides enough protection for your belongings. If you have added new computers, TVs, smart-home devices, jewelry, appliances or other valuable items since you bought your policy, your existing coverage limits may no longer reflect what it would cost to replace them.

It is worth reviewing your policy after a major purchase, renovation or move, and at least once a year. Pay attention to your personal property limit, deductible, whether belongings are covered at replacement cost or actual cash value and whether certain valuables have separate limits. Coverage and prices can vary by insurer and location, so comparing options may help you find a policy that better fits your home and budget.

Compare home insurance options

Use the tool below to explore home insurance options available in your area. Compare the coverage details carefully, not just the price, before choosing a policy.

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Here are the top picks for apps that are best at keeping track of your home before or after a disaster.

Top apps for home inventory & management

1) HomeZada

Credit: HomeZada

A comprehensive home management platform, HomeZada, helps homeowners manage all aspects of their home, including but not limited to: maintenance, finances, inventory and improvement projects. Because it acts as a central hub to organize and track important home-related information, it will help you track, locate, rescue important items and make filing insurance claims easier.

Key features of HomeZada

• Home maintenance tracking
  • Create and schedule maintenance tasks such as HVAC servicing or gutter cleaning
  • Get reminders for routine upkeep so it is one less thing for you to have to remember and prevent early replacement costs and keeps your home running more safely and smoothly
• Home inventory management
  • Ability to categorize inventory for all your indoor and outdoor spaces in a streamline fashion with its established template so you do not have to start from scratch
  • Assign photos, videos, receipts and warranty information for inventory items by room
  • Critical for insurance purposes and disaster recovery
• Home improvement projects
  • Helps you create a budget, organize, and track the progress of projects of all sizes around your home
  • Store ideas, costs, and documentation in one place to assist with tax and resale purposes
• Finance and property insights
  • Track home equity and overall property value by monitoring mortgage payments, utility bills, and other home-related expenses
• Document storage
  • Employs key security features in storing important documents like purchase agreements, blueprints, and appliance manuals
• Mobile access
  • Access available via web and mobile app makes it easy to manage your home wherever you are and however you want

Pricing

HomeZada offers both free and premium plans. Premium plans features include providing additional tools for inventory management, financial tracking, and project planning.

Website

For more information or to sign up, click here

2) NAIC Home Inventory

Credit: NAIC

The National Association of Insurance Commissioners created the NAIC Home Inventory app to help you if you need to file a claim, as well as provide expert tips. The app showcases a simple, clean design of the inventory section with built-in room suggestions. Though a bit more generic than some of its competitors, this app helps you create an itemized list of your home should you need to file an insurance claim in the future.

Key features of NAIC home inventory app

• Pro-tip access
  • Access informative guides from experts regarding insurance claims and disaster mitigation
• Home inventory management
  • Add or delete rooms suggested under the inventory section
  • Use the barcode scan feature to easily pull up item’s serial number
  • Add photos and video with items
• Mobile access
  • Access available via web and mobile app makes it easy to manage your home
• Information access
  • Allows you to export inventory as a .CSV file without photos or as a PDF with photos

Pricing

NAIC Home Inventory app is free. 

Website

For more information or to sign up, click here

3) Itemtopia

Credit: Itemtopia

Unlike its namesake, Itemtopia actually goes beyond itemizing your belongings. Available in over 170 countries worldwide, the app allows you to manage services, warranties as well as medical records. A rich and interactive app helps you start with ease by incorporating AI intelligence.

Key features of Itemtopia

• Home inventory management
  • Add or delete items under ‘Locations’ or ‘Item Collections’
  • Add photos and video with items along with warranties and receipts
• Life management tools
  • Add medical records by individual, receipts by service, and even manage pet’s vet appointments through the app
• Mobile access
  • Access available via web and mobile app makes it easy to manage your home
• Information access
  • Allows you to share export inventory as a .CSV file without photos or as a PDF with photos via email, text and other channels

Pricing

Itemtopia offers both free and premium plans. Some of the extra features of the Premium plan include larger storage (up to 2 GB or approximately 3,000 items), option to add more users, and the ability to showcase items for sale with a shareable link.

Website

For more information or to sign up, click here

Related links:

• Best Apps To Track And Monitor Air Quality To Stay Safe
• The Alarming Surge Of Home Title Theft And How To Protect Your Property
• Top Picks To Amp Up Your Home Security
• Tech Tips To Avoid Contractor Scams After A Storm Or Disaster
• Hurricane Katrina taught me how to prepare for any storm
• Top fireproof bags, organizers, and safes to protect your vital documents

Kurt’s key takeaways

Disasters can leave families trying to remember years of purchases at one of the most stressful moments of their lives. A home inventory app gives you a practical way to photograph your belongings, save receipts and serial numbers and keep important records together before you need them. It can also help you estimate whether your home insurance still provides enough coverage for what you own. Create your inventory now, store a backup somewhere you can access away from home and review your insurance policy regularly so you are better prepared if the unexpected happens.

Are you prepared for possible evacuation in an emergency? Have you survived a disaster? What did you learn, and what would you do differently? Let us know in the comments below.

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