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1 Ohio Homeowner and Renter Insurance Inventory Guide Produced by the Ohio Department of Insurance

2 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.

3 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

4 2 Kitchen AC unit (window) Appliances Blender Coffee maker Dishwasher Electric can opener Electric mixer Freezer Microwave Radio Range Refrigerator Slow cooker Television Toaster Blinds/shades Brooms/mops Cabinets/contents Curtains Dishes Groceries Utensils

5 Dining room AC unit (window) Blinds/shades Cabinets Cabinet contents China Clocks Crystal Glassware Lamps Linens Mirrors Pictures/paintings Silverware 3

6 4 Family room AC unit (window) Blinds/shades Bookcases/books Cabinet Cabinet contents Cameras CD player/cds Chests/contents Clocks Computer, etc. Desks DVD player/dvds Fireplace fixtures Games Glassware Lamps Mirrors Piano/instruments Pictures/paintings Records/tapes/etc. Sewing machine Sofas Stereo equipment Television VCR/ tapes Walkman Wall units

7 Living room AC unit (window) Blinds/shades Bookcases/books Cabinets/contents Cameras CD player/cds Chests/contents Clocks Desks DVD player/dvds Fireplace fixtures Lamps Mirrors Piano/instruments Pictures/paintings Records/CDs Sofas Stereo equipment Television VCR/tapes Wall units 5

8 6 Bedroom #1 AC unit (window) Beds/bedding Blinds/shades Bookcases CD player/cds Chests Clocks Desks DVD player/dvds Lamps Mirrors Pictures/paintings Radio/stereo Television VCR/tapes Clothing Blouses/shirts Coats Dresses Nightwear Pants/skirts Shoes/socks Suits Sweaters Underwear/hosiery

9 Bedroom #2 AC unit (window) Beds/bedding Blinds/shades Bookcases CD player/cds Chests Clocks Desks DVD player/dvds Lamps Mirrors Pictures/paintings Radio/stereo Television VCR/tapes Clothing Blouses/shirts Coats Dresses Nightwear Pants/skirts Shoes/socks Suits Sweaters Underwear/hosiery 7

10 8 Bedroom #3 AC unit (window) Beds/bedding Blinds/shades Bookcases CD player/cds Chests Clocks Desks DVD player/dvds Lamps Mirrors Pictures/paintings Radio/stereo Television VCR/tapes Clothing Blouses/shirts Coats Dresses Nightwear Pants/skirts Shoes/socks Suits Sweaters Underwear/hosiery

11 Office AC unit (window) Bookcases CD player/cds Chests Clocks Computer Computer monitor Computer software Desks DVD player/dvds Lamps Mirrors Pictures/paintings Radio/stereo Television VCR/tapes 9

12 10 Bathroom #1 Bath mat Cabinets Cabinet contents Clothes hamper Electric razor Hair dryer Linens/towels Scale Toilet articles Bathroom #2 Bath mat Cabinets Cabinet contents Clothes hamper Electric razor Hair dryer Linens/towels Scale Toilet articles

13 11 Basement Dehumidifier Freezer Furniture Humidifier Refrigerator Stereo Television Washer/dryer Work room Benches Cabinets Hand tools Hardware Hoses Ladders Power tools Drills Router Sander Saws

14 12 Storage areas 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 Lawn furniture Picnic table

15 Miscellaneous

16 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: gov

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