Etoolio

Home & Valuables Inventory

Free home inventory for insurance. List your valuables by room and value, score how claim-ready your proof is, flag missing photos, receipts and serials, then export a CSV or printable report. Private, in your browser.

List what you own so a claim after theft, fire or flood is fast and fully paid. This totals your belongings by room and value, scores how claim-ready your proof is, and flags the gaps insurers reject claims over. Export it, print it, and keep a copy offsite. Everything stays on this device and is never uploaded.

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Your contents cover (optional)
Add an item

Add your electronics, jewelry, furniture and appliances, or load the example to see how it works.

Could you list everything you own, from memory, tomorrow?

After a burglary, a fire or a burst pipe, that is exactly what your insurer asks you to do, and the burden of proof is on you. Most people under-claim by thousands simply because they forget items or cannot prove them. This free home inventory fixes that in advance: list what you own, and it totals the value, breaks it down by room, scores how claim-ready your proof is, and flags the gaps that get claims cut. Export it, print it, keep a copy offsite. Nothing you enter leaves your device.

How it works

  • Add your belongings: name, category, room, value, and serial where it applies.
  • Tick the proof you have for each one, a photo and a receipt.
  • See your total, room breakdown and claim-readiness score, then export a CSV or print a report.

What actually makes a claim pay in full

Insurers settle fastest, and pay the most, when you can prove two things: that an item existed, and what it was worth. A photo of the item and its serial plate proves the first; a receipt or a bank or card statement line proves the second. That is why this tool scores every item on photo and receipt (and serial where it applies) and flags anything under-documented. The under-documented items are precisely the ones a claim gets stuck on, so you can fix them now, calmly, instead of arguing later.

The high-value trap, and underinsurance

Two gaps catch people even when they think they are covered. First, many policies cap what they pay for a single item, often jewelry, watches, cameras or laptops, unless it is listed separately on the policy; the tool flags your high-value items so you can check their limits and schedule them. Second, if the total value of your belongings is more than your contents cover, you are underinsured, and a total loss will not be fully paid. Enter your cover amount and the tool warns you the moment your inventory outgrows it.

Keep a copy where the fire cannot reach it

An inventory that burns with the house is no help, so once you have built it, export the CSV or print the report and keep a copy offsite: a cloud backup, or with a trusted person. Do the same with your item photos. This is the same 3-2-1 thinking that protects your files, applied to the record of your belongings. It is a personal record, not insurance advice, and it runs entirely in your browser.

Private by design, part of FailSafe

A list of everything valuable you own, and which room it is in, is about as sensitive as data gets, so this tool never sends it anywhere: everything is saved only in your browser's local storage on this device, and the exports are generated locally. This is part of FailSafe, tools that help you defend against your own digital and physical fragility: what breaks if you lose a device, miss a deadline, suffer a loss, or a single point of failure gives way.

Good to know

Home & Valuables Inventory, frequently asked questions

What does the home inventory tool do?

It gives you one place to list everything you own, item by item, with its value, room and proof (a photo, a receipt, a serial number). It then totals your belongings, breaks the value down by room, and scores how claim-ready your documentation is, flagging the exact gaps that get insurance claims reduced or delayed. When you are done you can export a CSV or print a clean report to keep with your policy. It turns a vague, dreaded task into a quick, guided one.

Why do I need a home inventory?

Because after a theft, fire or flood, the burden is on you to prove what you owned and what it was worth, from memory, at the worst possible time. People routinely under-claim by thousands because they simply forget items or cannot prove them. A prepared inventory means you claim everything you are entitled to, the claim is settled faster, and you are not fighting to remember the contents of a home you have just lost.

What makes a claim actually pay in full?

Proof. Insurers pay fastest, and in full, when you can show an item existed and what it was worth. That means a photo of the item (and its serial plate), plus a receipt or a bank or card statement line showing the purchase. This tool scores each item on exactly that, photo and receipt (and serial where it applies), so you can see at a glance which items are well documented and which would be a fight. Tick them off as you gather the proof.

What are high-value items and why flag them?

Many contents policies cap what they will pay for a single item, often things like jewelry, watches, cameras or laptops, unless that item is listed (scheduled) separately on the policy. So you can be fully insured overall yet still not get the full value of your engagement ring or camera. The tool flags your higher-value items so you can check their single-item limits with your insurer and schedule them if needed.

How does the underinsurance check work?

If you enter your contents cover amount, the tool compares it to the total value of everything you have listed. If your belongings add up to more than your cover, it warns you that you are underinsured, meaning a total loss would not be fully paid, and some policies even reduce partial claims proportionally if you are underinsured. It is a quick way to catch a gap most people never notice until they claim.

Is my inventory private?

Yes. A list of everything valuable you own and where it is kept is extremely sensitive, so this tool is built so that it never leaves your device. Everything you enter is saved only in your browser's local storage on this device, nothing is uploaded to any server, and the CSV and printed report are generated locally. Keep your exported copy and photos somewhere safe, ideally offsite, so they survive the same event as your belongings.

Is it free?

Yes, free with no signup, and it runs entirely in your browser.

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