Home Insurance Guide
Why every NC homeowner needs a home inventory (and how to make one)
A guide to creating and maintaining a home inventory in NC, why it matters for insurance claims, how to document your belongings, and where to store it.
Get a QuoteCall (919) 249-8448Cooper's take
A home inventory is the single most underutilized tool in home insurance. After a major loss, trying to reconstruct a list of everything you owned from memory is nearly impossible, and the claims process depends on your ability to substantiate your losses. A simple video walkthrough stored in the cloud takes 30 minutes and can make a difference of thousands of dollars in a claim.
Cooper Parsons, NC License #19272643
Frequently asked questions
What is a home inventory and why do I need one in NC?
A home inventory is a documented record of your personal belongings, including descriptions, estimated values, and serial numbers where applicable. In a theft or total loss, it helps you file a complete and accurate insurance claim. Without one, you'll likely miss items and under-recover.
How do I create a home inventory?
The easiest method: walk through your home with your smartphone and record a video of every room, narrating what you see. Open closets, cabinets, and storage areas. Do it room by room. Store the video in cloud storage (Google Drive, iCloud, Dropbox) off your home network.
Where should I store my home inventory?
In cloud storage that you can access remotely. Your home inventory is useless if it's only on a hard drive in the home that just burned down. Email it to yourself, upload to cloud storage, or use a dedicated home inventory app.
Does a home inventory help with my insurance claims process in NC?
Significantly. A documented inventory with photos or video provides evidence to support your Coverage C (personal property) claim. It reduces the back-and-forth with the adjuster and helps you recover the full value of your losses rather than trying to recall everything from memory after a traumatic event.
Written & Reviewed By
Cooper Parsons
Owner & Licensed Independent Insurance Agent
NC License #19272643 · IronHaven Insurance · Wake Forest, NC · 25+ carriers
“Cooper saved me a TON of money while finding even better coverage for my home and auto. He is a solid person who cares about his clients. I'd rate him 500 stars if I could!”
Elliott Squires
Wake Forest, NC · Home & Auto
“Cooper worked with us when we thought we were all out of options for house insurance. He was able to help us get our home insured with a better package. So thankful for his communication and hard work!”
Rebecca Brady
Wake Forest, NC · Home Insurance
“Cooper is the partner you want to walk alongside you. He is an excellent teacher, a delight to work with. He's earned my trust, and he'll earn yours as well.”
Gabriel Torres
North Carolina · Insurance Client
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