Last Updated on July 29, 2025 by The Insurance Pros

Does your home in Michigan have an inventory list prepared for potential losses?

Creating a Michigan home inventory may not sound exciting—but it’s one of the smartest ways to protect yourself financially. A current home inventory can expedite insurance claims and guarantee equitable reimbursement in the event of a fire, flood, or theft.

📋 Why You Need a Home Inventory

Try making a list of everything in just your living room—it’s harder than you think. Wall art, electronics, rugs, lamps, and furniture all add up quickly. A complete inventory helps you document the value of your personal property and proves what you own if you need to file a claim.

🎥 Modern Ways to Create a Home Inventory (2025 Update)

• Use your smartphone to take photos or videos of every room, closet, and drawer.
• Scan or photograph receipts for electronics, furniture, or big-ticket items.
• Download a free app like Sortly or Encircle to digitally track everything with cloud backup.
• Use Microsoft Excel or Google Sheets with a template to log model numbers, serials, and costs.

💎 Include These High-Value Items

Don’t forget jewelry, antiques, tools, and collectibles. Certain items might require special coverage—please consult your agent regarding scheduled personal property endorsements for high-value belongings.

🧠 Why an Inventory Matters in a Claim

Insurance adjusters require proof. A home inventory helps document your losses and often results in faster claims processing and fewer disputes. It can also help verify ownership when items are stolen.

📋 Download Your Michigan Home Inventory Checklist

Keeping a home inventory doesn’t have to be complicated. We’ve created a simple printable checklist to help you document your belongings room by room.
Use it to stay organized and protect your assets in case of loss or damage.

✅ 📝 Download the Michigan Home Inventory Checklist (PDF)

📉 Risk of Skipping a Home Inventory

Without a list, homeowners often forget to claim everyday items like kitchenware, décor, tools, and even clothing. These smaller items can add up to thousands in unclaimed losses after a major event.

☁️ Where and How to Store Your Inventory

• Save to the cloud (Google Drive, Dropbox, OneDrive)
• Back up on a USB drive kept outside your home
• Email the file to yourself or a trusted family member
• Print and store a paper copy in a fireproof safe or off-site

🔁 Update Your Inventory Regularly

Set a calendar reminder to update your list once a year or whenever you make a major purchase, move homes, or renovate. Don’t forget to revise your inventory after birthdays, holidays, or seasonal changes.

📣 Final Tip

Start with one room and build your list over time. You’ll thank yourself later. Also, don’t forget to organize your emergency documents and store them in a secure location.

📝 Get a Free Michigan Home Insurance Quote