Did you know? The average fire claim is over $77,000, yet most homeowners can't recall even half of their belongings under stress. Lack of documentation is a leading reason why claims are underpaid or delayed.
How we help: We create a high-definition digital inventory of your assets and store it in your own private, secure cloud portal. Access your files anytime, anywhere, and give your insurance adjuster the proof they need to fast-track your payout.
Your Home’s Value, Documented and Protected.
Home Services
A home inventory is a comprehensive, detailed record of your personal belongings and their estimated value, serving as a “living document” that catalogs everything from high-value electronics and jewelry to everyday items like furniture and clothing. It is important because it helps speed up insurance claims by providing clear evidence of your losses after events like fire, theft, or natural disasters, ensures you have accurate coverage by allowing you to total the value of your possessions and adjust policy limits accordingly, and offers peace of mind by eliminating the stress of trying to remember everything you own during an already difficult time.
Home Inventory
Inventorying high-value items and collectibles is critical because these possessions often exceed the standard sub-limits of basic homeowners or renters insurance policies, which may cap payouts for categories like jewelry or fine art at relatively low amounts. Creating a detailed inventory provides essential financial protection by revealing coverage gaps, supporting the need for specialized riders or separate valuables policies, and ensuring items are insured at their current market value rather than their original purchase price. It also streamlines claims and verification by offering clear proof of ownership through receipts, serial numbers, and photos, documenting the condition of items before any loss, and enabling faster settlements with organized records like professional appraisals. To fully protect these assets, it is important to maintain critical documentation such as professional appraisals, certificates of authenticity, and purchase history, all of which help establish value, legitimacy, and the extent of your financial investment.
High Value & Collectibles
In the context of estate planning and probate, an inventory is a formal legal document that identifies, describes, and values every asset and liability a person owned at the time of death, serving as the official roadmap for settling the estate. It is essential for probate because it ensures legal compliance by being filed with the court within required timeframes, helps determine court fees and potential taxes based on the estate’s total value, establishes whether the estate is solvent by comparing assets and debts, and records fair market values that allow heirs to benefit from a stepped-up tax basis. It also protects the family by preventing disputes through transparency, shielding the executor from liability by documenting responsible management, ensuring fair distribution of assets according to the will or law, and uncovering hidden or forgotten assets; to meet court standards, all assets must be valued as of the date of death, often requiring professional appraisals for unique or high-value items.
Estate & Probate
A storage unit inventory is useful to protect your assets through insurance. In the event of a fire, flood, or theft, having a detailed inventory—complete with photos and receipts—allows you to file claims quickly and accurately, helping ensure you receive the full replacement value for your belongings.
Storage Units
The primary reason a homeowner needs a moving inventory is to protect against loss or damage while belongings are in transit, as documenting the condition and value of items before they are packed creates a clear record that can be used to support insurance or valuation claims if anything is lost or broken.
Moving
An inventory is essential during a divorce to ensure a fair and equitable distribution of assets and debts, as missing or overlooked items can lead to an unbalanced settlement. It is often a legal requirement in many states, helping distinguish between marital and non-marital property, and prevents one spouse from hiding, selling, or dissipating valuable assets. By providing a complete record with accurate valuations for everything from real estate and retirement accounts to furniture and collectibles, an inventory clarifies the total value of the estate and helps reduce conflict, making negotiations and mediation smoother for both parties.
Divorce & Equitable Distribution
Homeowners, Insurance Professionals, Wealth Managers, Family Law Attorneys, Estate Attorneys.
Who we serve:
Your home holds more than possessions—it reflects your memories, milestones, and financial security. A detailed inventory is one of the most effective ways to protect it all. Whether you're managing assets, reducing risk, or planning for the future, our comprehensive inventories provide clarity, accuracy, and peace of mind. From navigating divorce and settling estates to handling disputes, AssetGuard Inventory delivers clear documentation designed to support faster, more equitable outcomes.
The Process
Consultation
Our consultation is the first step in creating a clear, accurate record of your belongings and setting the foundation for a successful home inventory. During this initial conversation, we take the time to understand your specific needs—whether for insurance protection, estate planning, moving, or legal purposes—and walk you through our process in a simple, straightforward way. We’ll answer your questions, discuss the scope of your inventory, and recommend the best approach for documenting your assets, so you feel confident and informed before moving forward.
Home Visit
During our home visit, we thoroughly document your belongings using detailed photos and video to create a complete and accurate record of your property. With your permission, we carefully move through each room, closet, and storage space to ensure nothing is overlooked. For high-value items, we capture important details such as serial numbers, model numbers, and distinguishing features to support valuation and verification. Our goal is to provide a comprehensive, organized inventory you can rely on—while treating your home with the utmost care and respect.
Finalization
After documenting your home, we organize all the information into a clear, insurance-ready PDF report that details your belongings, including descriptions, estimated values, and key identifiers. Each item is supported by high-quality photos and video, creating a complete visual record that insurance companies can easily review and verify. The final report is structured for quick access and clarity, giving you a reliable, professional document that simplifies claims, supports proper coverage, and provides lasting peace of mind.
Secure Online Access
Each client is provided with secure online access to their completed inventory report, ensuring it is safely stored and always available when needed. Your report remains protected in the cloud, allowing you to easily view, download, or print it at any time. This convenient access ensures you can quickly share your documentation with insurance providers, attorneys, or family members whenever necessary, while maintaining the highest level of security and privacy.
Your Questions, Answered
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A complete record of your belongings with descriptions, photos, videos, and values to protect your assets.
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You can, but a professional inventory is thorough, accurate, and insurance- or court-ready, including serial numbers and detailed documentation of high-value items.
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We start with a consultation to understand your needs, then visit your home to document everything with photos, video, and detailed notes.
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You receive a clear, insurance-ready PDF with all documentation, plus secure cloud access to view, download, or print anytime.
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Yes. Our inventories simplify claims, support fair asset division in divorce or probate, and protect your financial interests.
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The cost of a home inventory depends on the size of your home, the number of items, and the level of detail required—especially for high-value items. During your consultation, we provide a personalized quote so you know exactly what to expect. Think of it as an investment in protecting your belongings, simplifying insurance claims, and creating a court-ready record if needed.