Why a Home Inventory Matters for Oklahoma City Homeowners

A few years ago, Kyle and Renee from Mustang had their lives turned upside down when a winter electrical fire damaged most of their home. They were safe, thankfully, but as they began working with their insurance company to file a claim, they ran into a major problem. When the adjuster asked for a list of damaged personal belongings and estimated values, they were completely unprepared.

​They hadn't made a home inventory. No record of electronics, furniture, jewelry, or even their kids' video games. That meant slower reimbursement, lower payouts, and extra stress in an already overwhelming situation.

Creating a home inventory may not be on your weekend to-do list, but it can make a world of difference if something unexpected happens. Whether it's a house fire, tornado damage, theft, or another covered event, documenting your belongings protects you from extra financial loss.

get the best oklahoma city home insurance!

What Is a Home Inventory?

A home inventory is a detailed record of the personal property inside your home. This can include photos, videos, serial numbers, estimated values, receipts, or even written descriptions. The goal is to have proof of what you own and what it's worth in case you need to file a homeowners insurance claim.

Why It's a Smart Move in Oklahoma City

f you live in Oklahoma City or nearby towns like Moore, Yukon, or Edmond, you know how unpredictable weather can be. Between hail, high winds, lightning strikes, and ice storms, home damage isn’t just a possibility—it’s a reality. Your homeowners insurance policy helps protect your home and personal property, but a claim is only as strong as the documentation that backs it.

Benefits of Having a Home Inventory

Creating a home inventory doesn't just help you recover faster after a disaster. It also:

• Speeds up the insurance claims process
  
• Helps maximize your replacement costs
  
• Reduces disputes with your insurance provider
  
• Makes it easier to review coverage limits
  
• Provides peace of mind during a stressful time
  

What to Include in Your Inventory

Don’t worry about cataloging every fork and spoon. Focus on high-value and essential items:

• Electronics (TVs, laptops, gaming systems)
  
• Appliances (refrigerators, washers, dryers)
  
• Furniture
  
• Jewelry and collectibles
  
• Clothing
  
• Tools and lawn equipment
  
• Art or decor
  

How to Create One

Start simple. Use your smartphone to take a video while walking through your home, narrating what each item is and what it cost. There are also free apps that can help you organize by room or category.
​
You can also:

• Keep digital copies of receipts and serial numbers
• Store your inventory in the cloud or email it to yourself
• Back it up with photos or spreadsheets

When to Update It

Anytime you buy a big-ticket item or remodel your home, take a moment to update your inventory. Set a yearly reminder to review it before storm season hits. You'll thank yourself later.

Don't Let the Unexpected Catch You Off Guard

Kyle and Renee will never forget how hard it was to rebuild their lives without a proper inventory. But they share their story so other Oklahoma homeowners can avoid the same mistake.
​
You don’t need a fancy system or professional software—just a bit of time and a focus on protecting your home and belongings. And if you're unsure whether your policy provides the right level of protection for everything in your inventory, a local insurance agent can help.

We're Here to Help in the Oklahoma City Metro

Oklahoma Insurance Professionals is proud to serve families in Oklahoma City and surrounding communities like Norman, Edmond, Yukon, and Moore. As an independent insurance agency, we help homeowners find the right coverage for their property and personal belongings. If you're reviewing your insurance policy or starting your first home inventory, let us help make sure you're protected.

get the best okc home insurance!

---

Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. We can help you find the coverage you need. ​​