How to Document Your Assets for Easier Claims

Efficiently documenting your household or business assets is one of the best ways to simplify and speed up insurance claims in the event of fire, theft, storm, or other loss. Creating a detailed, up-to-date record helps ensure claims are processed accurately and you receive the maximum benefit from your insurance policy.

Start by walking through every room and photographing valuables, furniture, electronics, appliances, and unique items. Gather and save digital copies of receipts, warranties, and appraisals, so all your records are safe even if physical paperwork is lost. Keeping an organised inventory list—and updating it regularly—gives both you and your broker a clear overview of exactly what is covered and its value.

For items such as jewellery, art, and collectibles, securing a formal valuation not only proves ownership but guarantees they are insured for their true worth. Business owners should make a habit of logging equipment and assets, making liability and property claims easier and less stressful.

How to Prepare Your Documentation

• Photograph each room in your home, making sure all major items are visible.

• Take individual photos of specific valuables, electronics, jewellery, artwork, and appliances.

• Save digital copies of receipts, warranties, appraisals, and estimates.

• If you want to take it to the next level… you could do a Google Doc listing item descriptions, purchase dates, serial numbers, and estimated values.

• And remember to update your records whenever you make significant purchases, upgrades, or sell items.

Having this documentation available when there’s a claim can help the process go much faster, as well as ensuring you don’t miss out on claiming for things that you might have forgotten about without the visual prompts or records.