Home insurance · Proof of existence
When a burglary, fire or flood happens, the insurer asks: what did you have and in what condition? SmartInventory AI lets you have the answer ready: an inventory with photos and cards of all your belongings, with the value you declare and back up with your invoices, recorded with a date.
No credit card required · Indicative values declared by the user
An inventory for home insurance —also called a home contents inventory— is a documented list of the belongings in your home: furniture, electronics, appliances, clothing, jewellery and collections, with their photographs, descriptions and an indicative value you provide, recorded on a specific date. It works as proof of pre-existence: it helps show what you had and in what condition before a burglary or loss, and helps size the cover you need to avoid underinsurance. It is not an expert valuation or an official appraisal; it is supporting documentation for your claim.
The problem
Most households are underinsured: the amount declared in the policy does not reflect the real value of what they contain. Furniture, electronics, jewelry, clothing, tools, collections… added up, it is almost always worth far more than we imagine.
The second problem arrives after the claim: proving prior existence. Without photographs, receipts or a previous record, claiming the real value of what was lost becomes a months-long battle, and many payouts are drastically reduced for lack of evidence.
Building that inventory by hand — spreadsheet, scattered photos, folders of receipts — is so tedious that almost no one finishes it. And an incomplete inventory offers little protection.
With AI identifying and documenting, recording a whole house stops being a weeks-long project.
Room by room, photograph every relevant object. Just a few seconds per item.
Identification, features and category recorded with a date, next to the photo. You add the condition and value.
Your inventory stays in your private account, ready to consult or export if you ever need to claim.
Photos, descriptions, dates and the value you declare in structured cards, not a chaotic camera roll.
Adding up the values you declare for your belongings shows whether your policy falls short (underinsurance).
Export an Asset Report with an insurance focus: cover by location and a note for your insurer.
Data and images private by default, with encryption in transit, private storage and access via signed URLs, compliant with EU GDPR.
Each card is recorded with its date, key to evidencing pre-existence.
AI does the heavy lifting; documenting the whole house is a matter of an afternoon.
The time to document is before, not after. These are the cases where it makes the difference.
The problem: the insurer asks for the list of what was taken and proof it existed.
How it helps: you have the inventory with photos, cards and a prior date.
What you get: proof of pre-existence that speeds up the claim.
The problem: what's damaged can no longer be photographed.
How it helps: the prior record evidences what you had and in what condition.
What you get: proof that's impossible to rebuild afterwards.
The problem: you don't know what contents cover to declare.
How it helps: you add up the values you declare for your belongings.
What you get: a realistic figure to avoid underinsurance.
The problem: jewellery or art the policy covers with limits.
How it helps: individual cards with photo and description.
What you get: documentation to declare them to your insurer.
The problem: you don't remember exactly what you stored or where.
How it helps: you keep a photographic and documentary record of your belongings, also when you put them in storage.
What you get: control and traceability of your home contents inventory when objects change location.
Each company and policy has its own conditions, but in general, after a loss insurers usually request documentation such as:
SmartInventory AI helps you prepare part of this documentation through digital inventories with photographs, descriptive cards and recorded dates. It does not guarantee acceptance of any claim —that depends on your policy and your insurer— but it lets you arrive with the documentation in order and to hand.
It is the documentation that proves an item existed and was in your possession before a loss. Dated photographs, invoices and detailed records are the most common proofs insurers request.
It's best to go through the home room by room and record furniture, electronics and appliances, clothing and textiles, jewellery and watches, tools and sports gear, and collections or items of value. For each item: a photo, its description and, if you have it, the invoice.
An inventory with photographs, descriptions and dates is valuable documentation to evidence pre-existence. Each policy has its conditions, so check with your insurer: the more documentation you have, the better positioned you'll be to claim.
No. It is an indicative value you declare (back it up with your invoices); it helps you size your belongings and decide the cover, but it is supporting documentation, not an official appraisal. For high-value items, your insurer may require a professional appraisal. Check the specific requirements of your policy.
It happens when the insured sum is lower than the real value of the belongings. In the event of a loss, the payout is reduced proportionally (average clause), so knowing the real value of your assets is key.
Yes. Invoices remain one of the most useful documents to evidence ownership and value of certain belongings. SmartInventory AI complements that documentation with photos, cards and organised records, but does not replace keeping invoices where they exist.
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